Terms and conditions of purchase

Background #

Please read these Terms carefully before purchasing or using the Freedom Filled® Business Mentorship Program.

Pure Purpose Pty Ltd (ACN 625 555 884, ABN 73 625 555 884), trading as Tracy Harris, provides the Program and is referred to in these Terms as "we", "us" or "our".

These terms and conditions ("Terms"), together with your Offer Details, form the agreement ("Agreement") between us and the purchaser identified by the full legal name entered at checkout, or otherwise identified to us in writing before the order is submitted ("you" or "your"). If the purchaser is a company or other legal entity, that entity is the purchaser and the individual accepting on its behalf confirms that they have authority to bind it. If you are purchasing as trustee of a trust, you contract as trustee and in your personal capacity. A company or trustee must give its full legal name and capacity before submitting the order, and use of another person's payment method does not by itself make that person the purchaser.

You offer to enrol by submitting your order after the sales page and checkout information forming the Offer Details have been made available to you, and expressly accepting these Terms at checkout. We accept your order when we send written confirmation to your nominated email address. You may withdraw your order by written notice to hello@mumswithhustle.com received before we accept it. If your withdrawal reaches us before acceptance we will not accept the withdrawn order, and we will refund all payments collected within fourteen (14) days after we receive your withdrawal, cancel any scheduled collection and charge no Fees. Clause 17.5 applies to that notice. We will not collect a further instalment while your order is still waiting on our acceptance. If we decline your order, we will refund all payments collected within fourteen (14) days after we decline it, cancel any scheduled collections and charge no Fees. The individual accepting these Terms and the Participant must each be at least eighteen (18) years old.

Before you submit your order we make these Terms and the Offer Details available for you to read and keep. We keep the accepted versions and a record of your acceptance, and will give you a copy on request.

1 Definitions #

1.1 In this Agreement:

(a) "ACL" means the Australian Consumer Law set out in Schedule 2 to the Competition and Consumer Act 2010 (Cth).

(b) "Commencement Date" means the date on which we accept your order by sending written confirmation as described in the Background.

(c) "Offer Details" means, together, (i) the description of the Program, its inclusions, bonuses, access periods and delivery arrangements on the sales page at ffb.tracyharris.co/ffb for the cohort you are joining, in the version made available to you immediately before you submit your order, and (ii) your purchaser details and selected payment option recorded at checkout. No separate offer document is required. The Fees and payment dates are determined under clause 4 for the option you select, unless different payment dates were expressly disclosed and agreed before you submitted your order. The Participant is identified under clause 1.1(e). Later changes to the sales page do not change your Agreement. We keep a copy of the applicable sales page and checkout record and will provide them to you on request.

(d) "Fees" means the amounts payable by you under clause 4.

(e) "Participant" means the individual who will attend and access the Program. If the purchaser is an individual purchasing for themselves, that individual is the Participant. Otherwise, the purchaser must nominate one individual to us in writing, by email or through onboarding, before access is given, and clause 2.5 applies. A later change of Participant requires our written agreement under clause 17.4. A Participant leaving the purchaser's business does not end this Agreement or release the purchaser from Fees lawfully payable.

(f) "Participant Content" means content owned by you, the Participant or your licensors that is contributed to the Program, and does not include our Program Materials.

(g) "Program" means the Freedom Filled® Business Mentorship Program described in clause 2 and in your Offer Details.

(h) "Program Materials" means the educational content we make available as part of the Program, including recordings, videos, documents, templates, frameworks, worksheets and written material. Ownership of Participant Content appearing in a recording or other material is governed by clause 13.3.

(i) "Release Period" means the period beginning on the Commencement Date and ending at 11.59pm Sydney time on the thirtieth (30th) day after it, subject to any extension under clause 2.5. For example, if we accept your order on 1 October, the Release Period ends at 11.59pm Sydney time on 31 October. A deadline we state that is earlier than the one calculated under this clause does not shorten the Release Period.

(j) "Term" means the twelve (12) calendar months beginning on the Commencement Date, subject to any extension under clause 2.5. For example, if we accept your order on 1 October 2026, the Term ends at the end of 30 September 2027.

2 The Program #

2.1 The Program is a twelve (12) month group mentoring and implementation program for women building and growing coaching businesses, online courses, memberships and digital service businesses.

2.2 The Program is delivered as a group program. Unless expressly included in your Offer Details, it does not include private one to one mentoring, individual consulting or done for you services.

2.3 We may deliver the Program through our employees, contractors and guest facilitators, each suitably qualified or experienced, and we may change the people delivering any part of it. We remain responsible to you for delivery. Naming a coach or facilitator in the Offer Details identifies who currently delivers that part of the Program. It is not a promise that they will deliver it for the whole Term unless the Offer Details expressly say so, and we may replace them with a suitably qualified or experienced person. Changes remain subject to clause 7 and to your rights under law.

2.4 We will provide the services, access and inclusions stated in your Offer Details during the Term, subject to changes permitted by clause 7. The descriptions, frequencies, access periods and conditions stated in the Offer Details apply to the relevant inclusions. Where a delivery date or period is not stated, clause 2.6 applies. Unless your Offer Details expressly include it, support does not include private messaging with individual coaches, is not available around the clock, and a group session does not guarantee individual time for the Participant in that session.

2.5 Where you and the Participant are different people, you must arrange for the Participant to accept the obligations in clauses 9, 13, 17.10 and 17.11 before access is given. The Participant's acceptance does not make them personally liable for your Fees. In return for access, the Participant agrees directly with us to comply with those obligations, and the Participant's access is also governed by clauses 2 to 17 so far as they concern that access, without making the Participant liable for your Fees or able to end or vary your Agreement without your authority. You must not direct, authorise or knowingly assist a breach by the Participant. If our failure to provide that acceptance process prevents access, your Commencement Date does not change, but the end of your Term and your Release Period are extended by the period for which our failure prevents access, at no additional charge. We will confirm the revised end dates in writing. The same extension applies if our error prevents the initial access promised under clause 2.6. Neither extension applies to material correctly scheduled and disclosed for a later date.

2.6 Your enrolment and Term begin on the Commencement Date. Subject to clause 2.5, from that date we will give the Participant access to the self-paced F.R.E.S.H Framework® onboarding and any other Program Materials stated in the Offer Details to be available immediately. Other inclusions will be supplied on the dates or within the periods stated in the Offer Details. Where the Offer Details state a frequency, sequence or period rather than an exact date, we will schedule delivery consistently with that frequency, sequence or period and give reasonable advance notice of live sessions. Where no date or period is stated, we will supply the inclusion within a reasonable time during the Term. A reference to a cohort month does not delay onboarding access or change the Commencement Date. Changes remain subject to clause 7 and your rights under law.

2.7 You and the Participant must provide accurate contact details, complete the reasonable onboarding steps we tell you about, and use a device and internet connection capable of accessing the Program. Please report an access problem promptly so we can fix it. A delay caused only by not meeting these requirements does not postpone the Term or the Release Period. We remain responsible for our own systems and delivery.

3 Term and commitment #

3.1 Your enrolment is for the full twelve (12) month Term, with the early exit rights set out in clause 3.3.

3.2 Outside the rights and arrangements listed in clause 3.3 and any transfer permitted under clause 17.4, enrolment continues for the full Term and cannot be paused, deferred or ended early. The agreed Fees remain payable if you participate less or your personal, financial or business circumstances change, subject to those rights and arrangements. Choosing not to attend a scheduled session, use available materials or request available support does not mean those services were not supplied. A service counts as supplied to the extent it was genuinely available to the Participant as agreed.

3.3 Clause 3.2 is subject to:

(a) your right to end this Agreement under clause 5 (Thirty Day Release);

(b) your rights under clause 7.3, clause 8.3 and clause 15.2;

(c) your rights under clause 11 (Your rights under the Australian Consumer Law);

(d) any arrangement agreed under clause 3.5; and

(e) any other right or remedy available to you at law.

3.4 Unless ended earlier under this Agreement or at law, your enrolment and your entitlement to receive the Program expire at the end of the Term. There is no automatic renewal, and any further enrolment requires a new agreement. Expiry does not affect the clauses that survive under clause 17.8.

3.5 If serious illness, incapacity, bereavement or other exceptional hardship affects your or the Participant's ability to continue, you or an authorised representative may ask us about a pause, a deferral or another arrangement. A legal personal representative may also contact us following a death. We are not required to agree, and this clause does not give you a right to a refund, a release, or any change to the Fees or the Term. Anything we do agree takes effect only when we confirm it in writing. This clause does not limit any right you have under this Agreement or at law.

4 Fees and payment #

4.1 The Fees for the Program are, at your election at the time of purchase:

(a) payment in full of AUD $6,000; or

(b) twelve (12) monthly instalments of AUD $550, being a total of AUD $6,600.

4.2 All Fees are stated in Australian dollars. Any GST applicable to our supply is included in the Fees and will not be added to the stated total.

4.3 The instalment option spreads the Fees for the full Term across twelve (12) monthly payments. To end enrolment early, use an applicable right listed in clause 3.3. Stopping payment alone does not end this Agreement.

4.4 Payment in full, or the first instalment if you select the instalment option, is due when you submit your order. The remaining eleven (11) instalments are due monthly on the same day of the month as your first instalment, unless your Offer Details state other dates. If a scheduled date does not occur in a month, payment is due on the last day of that month. You authorise our payment provider to collect only amounts due under this Agreement on those dates, and not amounts cancelled or refunded under this Agreement or at law. Cancelling a payment authority, replacing a card or closing an account does not cancel an amount that is otherwise payable. If automatic collection is unavailable, we will give you another reasonable way to pay.

4.5 If a payment fails, we will give you written notice of the overdue amount and how to pay it. You have seven (7) days after receiving that notice to pay, or to tell us about a payment error or a dispute. We may suspend access for an amount that remains overdue, under clause 10.1. Any termination is subject to clauses 10.2 and 10.3.

4.6 We may recover amounts lawfully due after giving you written particulars and a reasonable opportunity to pay or to raise a dispute, and we will reasonably investigate a dispute you raise. When you raise a dispute, please identify the amount disputed and your reasons. Amounts not affected by the dispute remain payable when due. This clause does not make future instalments immediately due, and does not create a right to a debt recovery fee, penalty or administration charge.

4.7 Chargebacks. If you have a concern about a charge, you agree to contact us first at hello@mumswithhustle.com and, where practicable, give us seven (7) days to resolve it before raising a chargeback or payment dispute. This does not apply to a charge you believe is unauthorised or fraudulent, does not require you to miss a deadline set by your bank or payment provider, and does not remove any right you have with them. A chargeback or reversal does not end this Agreement or cancel an amount that is lawfully payable. If an amount lawfully payable is reversed, we may suspend access under clause 10.1 until it is resolved, and we may give the payment provider your enrolment, acceptance, access and delivery records to respond to it. Both parties must give accurate information in a payment dispute. We will account for refunds and reversals so that no one recovers the same amount twice.

4.8 Refunds are paid to the original payment method where practicable, or another method we agree with you.

5 Thirty day release #

5.1 You may end this Agreement for any reason during the Release Period by written notice to hello@mumswithhustle.com. No reason, attendance or completion requirement applies. Receipt of notice is governed by clause 17.5.

5.2 Your enrolment and access end when we receive your notice, unless your notice specifies a later date within the Release Period. No further instalments become payable after termination.

5.3 If you end this Agreement within the Release Period:

(a) if you selected the instalment option, we may retain the first instalment of AUD $550 and will refund every additional instalment collected; and

(b) if you paid in full, we may retain AUD $500, being one twelfth of the Fees for that option, and will refund the balance of AUD $5,500.

Your total liability for Fees under this clause is limited to the applicable retention amount stated above, with credit for payments we retain. All other unpaid Fees are cancelled, including instalments that fell due before termination. This does not limit a greater entitlement under another clause or law.

We will make these refunds within fourteen (14) days after termination and will cancel any remaining scheduled collections.

5.4 Clause 9.4 applies to your access after termination. The end of the Release Period does not remove any other right you have under this Agreement or at law, and the retention amounts and the deadline in this clause do not apply to a right you have under another clause or under law.

6 Bonuses and additional inclusions #

6.1 We may from time to time offer bonuses or additional inclusions as part of a promotion. A bonus or inclusion stated in your Offer Details forms part of the Program.

6.2 Unless your Offer Details expressly provide otherwise, access to bonuses and additional resources continues only during your enrolment and ends on expiry or termination. An expressly stated separate access period applies to that inclusion. A completed one off service is not reversed by expiry. Bonuses may not be transferred unless we agree in writing or your Offer Details permit it.

7 Changes to the Program #

7.1 We may make reasonable changes to the content, resources, schedule, platform, format and delivery personnel of the Program, to improve delivery, respond to participant needs or manage operational requirements, provided the overall nature, standard and value of the Program are not materially reduced. On the same condition, an individual component may change without a matching replacement. This clause does not allow us to disregard a specific promise in your Offer Details without the protections in clause 7.3 and your rights under law.

7.2 We will give reasonable advance notice of a change to a scheduled call or to the format where it is practicable, and prompt notice of an urgent change. Where a proposed change would materially disadvantage you, we will explain the change, the reason for it and your rights under clause 7.3 before it takes effect where practicable.

7.3 If a change materially reduces the nature, standard or value of the Program, or otherwise materially disadvantages you, you may end this Agreement by written notice. You may give that notice up to the later of the change taking effect and thirty (30) days after you receive our notice of the change and of this right. Termination takes effect when we receive your notice, or on a later date you specify within that period. We will cancel Fees for services not supplied and settle any refund or unpaid balance under clause 7.5. If we fail to give notice, that does not remove your right or start the thirty day period. Whether a change materially disadvantages you is assessed objectively against the agreed Program. A preference for the previous arrangement is not enough on its own.

7.4 An adjustment permitted by clause 7.1 is not, merely because it is an adjustment, a breach of this Agreement. This does not excuse a failure to provide the agreed Program or to comply with this clause, and does not limit any other remedy.

7.5 A refund under clause 7.3 or clause 8.3 is paid within fourteen (14) days of termination and equals the Fees you have paid for services not supplied. Where services are supplied evenly over the Term, we work out the amount attributable to services supplied by applying the proportion of the Term actually supplied to the total agreed Fees for your payment option, and return payments above that amount. Where services are not supplied evenly, or an inclusion is not supplied, the calculation must fairly reflect what was actually supplied, and we cannot assign an undisclosed value to a bonus in order to reduce your refund. Only Fees attributable to services supplied remain payable. Any unpaid Fees attributable to services already supplied that are already due at termination remain due, subject to clauses 4.5 and 4.6. If you selected instalments, any unpaid Fees attributable to services already supplied that are not yet due are payable on the remaining original instalment dates, with no payment greater than the scheduled instalment and the last payment reduced to the balance remaining, unless we agree another arrangement with you. No amount becomes due earlier because of termination. We will give you the calculation. Any greater entitlement you have at law is unaffected.

8 Amendments to these terms #

8.1 We may amend these Terms only so far as is reasonably necessary to comply with the law, to address a genuine security requirement, to make an administrative correction that does not materially change either party's substantive rights, or to give effect to a change to the Program permitted by clause 7. An amendment must be proportionate to its purpose.

8.2 We will send you the amendment and the reason for it by email at least thirty (30) days before it takes effect. An earlier effective date is permitted only so far as required by law or urgently necessary to address a genuine security risk, and in that case we will notify you promptly and explain the urgency. Publication on our website alone is not notice to you. A correction only to spelling, numbering or a broken link may take effect when we notify you, provided it does not change the meaning of any right or obligation.

8.3 If an amendment materially disadvantages you, you may end this Agreement by written notice at any time up to the later of its effective date and thirty (30) days after you receive notice of the amendment and of this right. Termination takes effect on receipt of your notice, or on a later date you specify within that period. We will cancel Fees for services not supplied and settle any refund or unpaid balance under clause 7.5. No exit fee applies. Whether an amendment materially disadvantages you is assessed objectively. A preference for the previous wording is not enough on its own.

8.4 An amendment does not remove a right that has already accrued to you, does not operate retrospectively, and does not increase the total Fees payable under clause 4.

9 Licence and access #

9.1 We grant the Participant a non-exclusive, non-transferable licence to access and use the Program Materials for your own business learning and internal implementation during your enrolment. This licence may be suspended or ended only as expressly permitted by this Agreement. Any expressly granted longer licence for a particular inclusion continues on its own terms.

9.2 Access is for the Participant only. The Participant must not share login details or distribute the Program Materials to anyone else, including clients, staff, contractors, peers or partners, except where a specific written permission accompanying a resource or your Offer Details allow it. The Participant must not let another person attend through their account, use their login or view the Program through their screen or device, must keep their access secure, and must tell us promptly about any suspected unauthorised access.

9.3 The Participant may make the copies reasonably necessary for that permitted use, and may complete worksheets and resources intended to be completed. You and the Participant must not resell, sub-licence, rebrand or distribute the Program Materials, or reproduce them in your own products or client deliverables, except under a specific written permission accompanying the resource or your Offer Details. This does not prevent you from applying general skills and knowledge, or from using independently created work that does not reproduce our material. You and the Participant must not scrape or bulk download the Program Materials, get around access controls, or upload the Program Materials or another participant's contributions to an external artificial intelligence service, training dataset or shared knowledge base. You and the Participant must not knowingly introduce viruses or other malicious code, or try to disrupt the systems we use to deliver the Program.

9.4 You and the Participant keep your Participant Content and your independently created work. Any expressly continuing licence also remains available on its terms. Otherwise, Program access and the licence end on expiry or termination, and the Participant must stop using the Program Materials and delete retained copies. You and the Participant may keep and use a worksheet or planning document to the extent it records the Participant's own substantive work for your business during enrolment, for your own business learning and internal implementation after enrolment ends. This does not extend to blank or largely uncompleted resources, instructional content, or copies completed only to keep our materials. That continuing permission does not allow sharing, resale, rebranding, or use in your own products or client deliverables, and does not extend access to recordings, the resource library, updates or support. Copies reasonably needed as evidence of participation or of a claim, or to meet a legal obligation, may be kept securely and used only for that purpose. On reasonable request, we will give you copies of your own attendance, access and submitted work records that we hold, subject to privacy and confidentiality obligations. We are not required to create records that do not exist or to supply the same copies more than once. Neither expiry nor termination requires re-enrolment in order to pursue a claim or obtain those records. This does not limit any right to records you have at law.

9.5 Conduct. You and the Participant must not harass, threaten or impersonate anyone, knowingly publish false claims about another person, or disrupt Program activities. You and the Participant must not use Program spaces, or contact details obtained through the Program, to promote your own or anyone else's products or services, or to make repeated unwanted approaches, except in a channel we designate for it or with the recipient's permission.

9.6 Member information. You and the Participant must not copy or compile the Program's member list or directory, or use non-public contact details or information obtained through the Program to target other participants with offers or recruitment, including after enrolment ends. This does not prevent general public advertising, relationships that existed before the Program, responding to a person who approaches you independently, or contact that person has expressly permitted under clause 9.5. Permission for one contact does not allow compiling a member list, repeated unwanted approaches or disclosing another person's information.

9.7 Our team. During the Term, you and the Participant must not use relationships or information obtained through the Program to solicit a coach or member of our team to provide you or your business with services that replace or compete with the services they deliver in the Program, knowingly induce them to breach an obligation to us, or interfere with their delivery of the Program. The restriction on solicitation does not prevent general recruitment advertising, an independent approach by a team member, a relationship that existed before the Program, or buying a service they offer to the public. None of those exceptions permits you or the Participant to knowingly induce a breach of an obligation to us or interfere with delivery of the Program.

9.8 Dealings with others. If you buy a product or service from another participant or from a third-party supplier, that is a separate arrangement between you and them, and we are not a party to it or responsible for it. This does not reduce our responsibility for Program inclusions, the people we engage to deliver them, or our own conduct and representations.

9.9 Your own copies. Please keep your own copies of your business documents and the work you contribute. The platforms we use to deliver the Program are not a backup service for your business. This does not limit our obligations about security, privacy or records.

10 Suspension and termination by us #

10.1 We may suspend access only to the extent and for the period reasonably necessary to address a material risk to participants, to confidential information or to our intellectual property, or an overdue payment under clause 4.5 or a reversed payment under clause 4.7. Where it is enough to manage the risk, we may instead remove or restrict particular content, disable a compromised login or restrict a specific feature. We will give written reasons before suspension where practicable, or promptly afterwards where urgent action is needed, explain how the matter can be resolved, review it promptly, and restore access when the grounds no longer exist. If a suspension was not justified under this clause, we will restore the affected service period or refund the Fees attributable to the access withheld. Any replacement access and the licence necessary to use it continue for the restored period despite expiry under clauses 3.4 and 9.4, at no additional charge. Except for the remedy for an unjustified suspension stated above, a suspension does not end this Agreement, pause or extend the Term, or make future instalments immediately due. When the cause of a justified suspension is remedied, we will restore access for the rest of the Term. A justified suspension does not by itself mean that a withheld service was supplied for the purposes of clause 3.2 or any calculation of Fees. We may supply affected services within the remaining Term, consistently with the agreed Program and clause 7. Fees attributable to affected services that are not supplied by expiry or termination will be cancelled or refunded, applying the calculation in clause 7.5, and we will provide the calculation and any refund within fourteen (14) days after expiry or termination. Any separate claim for loss caused by your breach remains subject to applicable law and the limitations in clauses 10.5 and 14, and may not duplicate amounts already recovered.

10.2 We may terminate this Agreement by written notice for a material breach, including material non-payment, material misuse of the Program Materials, unlawful conduct connected with the Program, or serious abusive, harassing or threatening conduct toward a participant or a member of our team. A minor or technical breach does not by itself justify termination. Repeated breaches of the same obligation may together amount to a material breach where they continue after a written warning identifying the conduct.

10.3 Where a breach can be remedied, we will identify the breach and the required remedy in writing and allow a reasonable period of at least seven (7) days after receipt to remedy it before terminating. Where we have a right to terminate for a material breach under clause 10.2, we may terminate immediately only if the breach is serious and cannot reasonably be remedied, or continued participation during a remedy period would create a serious risk that cannot reasonably be managed by temporary suspension. Any termination under this clause is a termination under clause 10.2, and clause 10.5 applies. We will give written reasons for an immediate termination.

10.4 Making a complaint, leaving a review or exercising a legal right is not of itself a breach of this Agreement. This does not excuse conduct prohibited by clause 9.5 because it occurs in the course of a complaint or review.

10.5 If we terminate under clause 10.2, we will cancel Fees for services not supplied and cancel all scheduled automatic collections. Only unpaid Fees attributable to services already supplied remain payable, on the timetable in clause 7.5. We will state the remaining amounts, original due dates and payment instructions in our calculation. Cancelling automatic collections does not cancel that balance, and we will not restart automatic collections without your express agreement. Within fourteen (14) days we will refund Fees paid for services not supplied and give you the calculation, using the approach in clause 7.5. This clause does not create an entitlement to the remaining contract price. Any separate claim we have for loss caused by your breach is limited to loss recoverable at law, allowing for costs saved, reasonable mitigation and amounts already recovered, and may not duplicate payment for the same loss. We will not deduct a disputed damages claim from a refund unless you agree or it has been determined by a court or tribunal.

11 Your rights under the Australian Consumer Law #

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

- to cancel your service contract with us; and

- to a refund for the unused portion, or to compensation for its reduced value.

You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.

11.2 Nothing in this Agreement excludes, restricts or modifies any guarantee, right or remedy you have under the ACL or any other law where it cannot lawfully be excluded, restricted or modified. This clause applies to every other clause of this Agreement.

11.3 The refund and claim procedures in this Agreement do not restrict any cancellation, refund, compensation or other remedy available to you under the ACL or other applicable law.

12 No guarantee of results #

12.1 We provide mentoring, strategy and education. Your results depend on your own effort, circumstances, business decisions and implementation.

12.2 We do not promise a particular income, profit, sales volume or other business result. Results described in testimonials and case studies are individual experiences and are not a promise that you will achieve the same result. This clause does not limit our obligation to provide the Program as agreed, or our liability for our representations or conduct under applicable law.

12.3 Earnings and income. We cannot and do not make any guarantee about your ability to get results or to earn money using our ideas, information, strategies or materials. Business activity involves risk, and enrolment does not guarantee that you will earn income. What you create depends on your own offer, your market and the work you put in. This clause does not limit clause 11, and nothing in it excuses a representation we actually make to you.

12.4 Not professional advice. The Program is general business education and mentoring. It is not legal, financial, tax, accounting, medical or psychological advice. You are responsible for your own business decisions and for obtaining professional advice suited to your circumstances.

13 Intellectual property #

13.1 We or our licensors retain ownership of the Program Materials we supply and the intellectual property in them, other than Participant Content.

13.2 Except for the limited permissions expressly granted in this Agreement, neither party transfers ownership of intellectual property to the other.

13.3 Ownership of Participant Content remains with you, the Participant or the relevant licensor, as applicable. You and the Participant must each have the rights and permissions needed for the content you respectively submit. If we reasonably believe submitted content infringes another person's rights or discloses their confidential information, we may remove or restrict it and ask for evidence of permission. For content authorised for use in delivering the Program, you and the Participant each grant us, to the extent of your respective rights and permissions, a non-exclusive, royalty free licence to host, display, reproduce and make reasonable technical edits to it, solely to deliver the Program to the disclosed audience, to provide support and to administer this Agreement, and we may allow our service providers to do those things on our behalf under confidentiality. A recorded contribution is also subject to clause 17.11. Apart from the permission in clause 13.4, we will not use Participant Content, names, images or recorded contributions for public marketing or testimonials without separate permission. We keep copies only for the authorised period or as reasonably required by law or to establish, exercise or defend legal rights, with access restricted to that purpose. We do not acquire a right to sell your content or to make it available to future cohorts without permission.

13.4 Using your results. You and the Participant give us permission to use the Participant's results and figures, what the Participant says or writes about them, and the Participant's name, business or brand name, photograph, image and voice, in our marketing, in any medium. This permission continues after the Term unless withdrawn under clause 13.5. You or the Participant may withhold it before any use by telling us, and withholding or withdrawing it does not affect access to the Program or the Fees.

13.5 How we will use them. We will use a result as the Participant described it, and we will never present it as a typical or expected result. We may shorten, format or edit material for length or layout without changing its meaning. We will not use information the Participant has told us is confidential or that would reasonably be understood to be confidential, and we will not publish another person's private information. You or the Participant may ask us to stop using something at any time by emailing hello@mumswithhustle.com, without giving a reason. Once we receive the request, we will not use it in new material or republish, share or boost an existing post, and we will remove it from our website and stop using it in paid advertising as soon as we reasonably can. Withdrawal does not make an earlier use unauthorised, and we are not required to remove social media posts already published, emails already sent, or copies held or shared by others.

14 Liability #

14.1 Subject to clause 11, and to the extent permitted by law, neither party is liable to the other for loss of profit, loss of opportunity or other indirect or consequential loss, and our aggregate liability arising out of or in connection with this Agreement does not exceed the total Fees agreed for your payment option under clause 4.1.

14.2 Clause 14.1 does not apply to, and does not limit, our obligation to make a refund required by this Agreement, any right or remedy protected by clause 11, or liability for fraud or wilful misconduct. The exclusion of loss of profit in clause 14.1 does not exclude a claim by us, as described in clause 10.5, for loss of the Fees you would have paid for the rest of the Term, less costs we save and amounts we recover or could reasonably recover.

14.3 In assessing any compensation, the extent to which a party caused or contributed to the loss, and each party's duty to take reasonable steps to reduce its loss, are taken into account.

15 Events outside our control #

15.1 Subject to clause 11, a party is excused from performing on time to the extent it is prevented by an event beyond its reasonable control that it could not reasonably avoid or overcome. The affected party must notify the other promptly and take reasonable steps to limit the effect and to resume. This clause does not excuse a refund obligation, and does not allow us to keep Fees for services we do not supply. A lack of funds, reduced income, a change of business plans or ordinary difficulty paying is not an event beyond a party's reasonable control. Clause 3.5 remains available.

15.2 We will take reasonable steps to resume or reschedule affected services or to offer a suitable substitute. If a material part of the Program cannot be supplied within a reasonable time, you may end this Agreement by written notice while that failure continues. We will cancel Fees for services not supplied, settle any unpaid balance under clause 7.5 and, within fourteen (14) days after termination, refund the Fees you have paid for services not supplied, including affected services before termination, using the approach in clause 7.5. No notice of a change under clause 7 is required to exercise this right.

16 Dispute resolution #

16.1 If a dispute arises, the parties will first try in good faith to resolve it by discussion, and may agree to mediation, which may be conducted remotely. Each party must describe the issue honestly and must not knowingly give false evidence or misstate material facts.

16.2 Nothing in this clause prevents either party from making a complaint to a regulator, applying to a court or tribunal with jurisdiction, seeking urgent relief, or taking a step necessary to preserve a limitation period.

17 General #

17.1 Entire agreement. This Agreement comprises these Terms and your Offer Details. A specific promise in the Offer Details about an inclusion, an access period or a benefit prevails over an inconsistent general provision in these Terms. No later document changes this Agreement unless both parties agree or it is validly amended under clause 8. This clause does not exclude liability for misleading or deceptive conduct, and does not remove any right or remedy under applicable law.

17.2 Severability. If a provision is held to be invalid or unenforceable, that provision is severed and the rest continues in force.

17.3 Waiver. A failure or delay in exercising a right is not a waiver of it.

17.4 Transfer. You may transfer your enrolment only with our written agreement or as expressly permitted by your Offer Details. We may assign a right to receive payment, and the assignee takes it subject to your existing rights and defences. We may subcontract delivery as permitted by clause 2.3 and remain responsible for it. A transfer of our obligations that releases us requires your agreement to the replacement party. A proposed transfer does not by itself change your Fees, inclusions, refund rights or remedies. An approved transfer or change of Participant does not restart the Term or the Release Period, repeat an inclusion already supplied, or release you from an amount already owing, unless we agree otherwise in writing.

17.5 Notices. Notices must be in writing. Notices to us may be sent to hello@mumswithhustle.com, and notices to you will be sent to your nominated email address. Either party may update its address by notice. An email is received when it is capable of being retrieved at the nominated address, whether or not it has been opened, provided it has not been rejected or returned as undeliverable. We will not treat a notice as received if we know delivery failed, and we will take reasonable steps to reach you another way. A notice that clearly communicates an intended claim or termination does not need any particular form or wording. Unless stated otherwise, days are calendar days and all dates and deadlines use Sydney time. A person giving notice on your behalf must be authorised to do so, and where there is genuine doubt we may reasonably check their identity or authority. You must tell us if your contact details change.

17.6 Governing law. This Agreement is governed by the laws of New South Wales, Australia. Subject to clause 11 and any law that requires otherwise, each party submits to the exclusive jurisdiction of the courts of New South Wales, the federal courts sitting in New South Wales, and the courts that hear appeals from them. This does not prevent an application to a tribunal with jurisdiction under applicable law, or a complaint to a regulator.

17.7 Version and effective date. These Terms are version 3.9, effective 22 September 2026, and apply only to orders for which this version was provided before submission and expressly accepted as part of the order. That version governs your enrolment, together with your Offer Details and any amendment validly made under clause 8. Earlier enrolments, and any settlement relating to them, stay on the terms agreed at the time. We keep, and on request will provide, a copy of the accepted documents and any amendment notices.

17.8 Survival. Expiry or termination does not affect rights or liabilities that accrued before it, subject to any cancellation or refund required by this Agreement or at law. Clauses 4.6 to 4.8, 9.2 to 9.4, 9.6, 9.8, 9.9, 10.5, 11, 12, 13, 14, 16 and 17 continue so far as necessary to give effect to their purpose, together with any outstanding refund obligation and any Fees lawfully payable for services already supplied. This does not continue ordinary Program access, revive cancelled instalments, or extend a content licence beyond its stated purpose and duration.

17.9 Privacy. We handle personal information collected for enrolment, payment, delivery, support and administration of the Program, and for promotional use expressly permitted under clause 13.4, in accordance with applicable privacy law and our Privacy Policy at tracyharris.co/privacy-policy, which is made available before enrolment. Before collecting information we provide any required collection notice identifying the purposes, the usual recipients, any relevant overseas handling, and how to request access or correction or make a complaint. We take reasonable steps to protect information and restrict access to the people who need it for those purposes. Apart from the permission in clause 13.4, this Agreement does not give consent to unrelated marketing or to public disclosure. The permission in clause 13.4 does not enrol the Participant in unrelated direct marketing, and after a permission is withdrawn we do not make any new use of it, as described in clause 13.5. Nothing in clause 13 limits our obligations under applicable privacy law. Questions and requests may be sent to hello@mumswithhustle.com.

17.10 Confidentiality. We, you and the Participant must keep confidential any non-public personal or business information disclosed in the Program that is identified as confidential or would reasonably be understood to be confidential. It may be used only for participating in or delivering the Program, and disclosed only with permission, to advisers under confidentiality, as required by law, or as reasonably necessary to obtain advice, make a complaint, or establish, exercise or defend legal rights. It does not apply to information independently developed, lawfully obtained without restriction, or made public other than by a breach, and it does not prevent use permitted by clause 13.4. This clause does not prevent an honest review of a person's own experience without unnecessary disclosure of another person's private information, or a complaint to a regulator. We require participants to accept equivalent obligations, but we cannot guarantee another participant's compliance.

17.11 Recordings. Some Program sessions are recorded for educational replay. Before first recording a Participant's contribution, we provide a recording notice explaining the capture types, purposes, audience and replay and retention periods, and obtain the Participant's consent. We obtain further consent before a material change to those arrangements, and we give a visible or audible notice whenever recording. You cannot consent on another person's behalf merely because you purchased their enrolment.

If the Participant does not wish to be recorded, they must tell us before contributing. We will provide the Participant with a reasonable way to take part without their identifiable contribution being recorded, such as an unrecorded question or one submitted through the facilitator. Turning off a camera alone does not prevent audio, chat or screen capture.

Recordings and transcripts are made available only for the purposes, audience and period disclosed and consented to. Extracts within the permission in clause 13.4 may also be used for the promotional purposes and audiences described there, subject to clause 13.5. Otherwise we will not use identifiable contributions for public marketing or for a new audience without separate permission. Consent to educational recording alone is not consent to promotional use, and this clause does not override a refusal to be recorded. Except with our written permission, the Participant must not record, transcribe or screenshot a session, its chat or another person's contribution, or bring an automated recorder, note-taking bot or artificial intelligence assistant into a session, including sessions led only by our team. Personal written notes are permitted. A Participant may withdraw consent to future recording by contacting us, and any request about an existing recording will be assessed promptly in accordance with the law and the permissions actually given.

17.12 Relationship. This Agreement does not create a partnership, joint venture, employment or agency relationship between us and you or the Participant, and neither party may bind the other.

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