TERMS AND CONDITIONS

Effective Date: 1 May 2025

1. INTRODUCTION
   These Terms and Conditions ("Terms") apply to the use of the services provided by Capital Markets Group (Australia) Pty Ltd, trading as Investagility ("we," "us," "our"), including online courses, subscription advisory services, and related content (collectively, the "Services") available at www.investagility.com (the "Website"). By accessing or using our Services, you agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree, you must not use our Services.
   
   
2. COMPANY INFORMATION
   Company Name: Capital Markets Group (Australia) Pty Ltd
   Trading Name: Investagility
   ABN: 23 115 727 878
   Postal Address: GPO Box 2929, Sydney NSW 2001, Australia
   Website: www.investagility.com
   
   
3. SCOPE OF SERVICES
   We provide online courses, subscription advisory services, and regular market commentary through email, video content, social media and educational resources. Our Services may also include market insights and trading strategies, but all advice provided is general in nature and not tailored to the specific financial circumstances of individual users.
   
   
4. PAYMENTS AND REFUNDS
   We offer various payment models, including one-time payments, subscriptions, and tiered pricing. Refunds are available if customers contact us to cancel within 14 days of purchase. Introductory pricing and discounts may be offered from time to time, subject to specific promotional terms.
   
   
5. USER OBLIGATIONS
   Users must conduct themselves in a manner consistent with these Terms. You agree not to:
1. Share, resell, or distribute any content from our Services without express written permission.
2. Use our content for unlawful or unauthorised purposes.
3. Circumvent or attempt to bypass any security measures related to our Services.
   
   
6. INTELLECTUAL PROPERTY
   All content provided through our Services, including but not limited to text, graphics, videos, and trademarks (e.g., investagility™), is the intellectual property of Capital Markets Group (Australia) Pty Ltd and is protected by Australian and international copyright laws. Unauthorised use or reproduction is strictly prohibited.
   
   
7. LIABILITY AND DISCLAIMERS
   Our liability is limited to the maximum extent permitted by law. Investing involves significant risk, and past performance is not a reliable indicator of future results. We do not guarantee the accuracy or completeness of any information provided through our Services. You should seek independent financial, tax, and legal advice before making any investment decisions.
   
   
8. PRIVACY AND DATA HANDLING
   We collect personal data, including names, addresses, and email addresses. Payment information is handled by third-party providers (e.g., Kajabi, PayPal) and is not stored by us directly. For more details, please review our Privacy Policy.
   
   
9. GOVERNING LAW AND DISPUTE RESOLUTION
   These Terms are governed by the laws of New South Wales, Australia. In the event of a dispute, we will first attempt to resolve the matter internally within 30 days before considering mediation or court proceedings.
   
   
10. MODIFICATIONS AND TERMINATION
    We reserve the right to update these Terms as needed. Continued use of our Services following any changes constitutes acceptance of the updated Terms. We may terminate your access to our Services for breaches of these Terms, including but not limited to unauthorised sharing or dissemination of content.
    
    
11. FORCE MAJEURE
    We are not responsible for delays or interruptions in the provision of our Services due to circumstances beyond our control, including but not limited to natural disasters, technical failures, or governmental actions.
    
    
12. CONTACT INFORMATION
    For questions or concerns regarding these Terms, please contact us at:
1. GPO Box 2929, Sydney NSW 2001, Australia
2. Email: admin @ investagility.com
   
   
13. ENTIRE AGREEMENT
    These Terms constitute the entire agreement between you and Capital Markets Group (Australia) Pty Ltd concerning your use of our Services, replacing any prior agreements or communications.

By using our Services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.