Terms of Use Agreement

Copyright and Trademarks
The content included on this web site, including, but not limited to the Personality Budgeting tests, reports, text, graphics, logos, icons, and images is the exclusive property of Personality Budgeting and other respective owners that have granted Personality Budgeting the right and license to use such property and is protected by Australian and international copyright laws. All trademarks, and trade names are proprietary to Personality Budgeting or other respective owners that have granted Personality Budgeting the right and license to use such marks. The Personality Budgeting web site contains copyrighted material, including, but not limited to:trademarks and other proprietary information, content, text, and graphics. Except as otherwise expressly permitted under copyright law, users may not copy, publish, redistribute, modify, transmit, display, sell, create derivative works, or in any way exploit the content or any portion of the Personality Budgeting web site without the express permission of the organization.

Disclaimers of Warranties
The products, offerings, content and materials (including, without limitation, the Fee-Based products) on this web site are provided "as is" and without warranties of any kind, either express or implied. Personality Budgeting disclaims all warranties, express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, title, security, accuracy or non-infringement.

Neither Personality Budgeting, any of our affiliates, nor any of our or their respective licensors, licensees, service providers or suppliers warrant that this web site or any function contained in this web site will be uninterrupted or error-free, that defects will be corrected, or that this web site or the servers that make this web site available are free of viruses or other harmful components.

Neither Personality Budgeting, any of our affiliates, nor any of our or their respective licensors, licensees, service providers or suppliers warrant or make any representations regarding the use or the results of the use of the products, offerings, content and materials (including, without limitation, the fee-based products) in this web site in terms of their correctness, accuracy, reliability, or otherwise. Further, please note that no advice or information, obtained by you from our personnel or through this web site shall create any warranty not expressly provided for in this agreement.

Limitation of Liability
You expressly understand and agree that Personality Budgeting and our affiliates shall not be liable for any direct, indirect, incidental, special, consequential, exemplary or punitive damages, or any other damages whatsoever, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), arising out of, or resulting from, (a) the use or the inability to use this web site (including, without limitation, the fee-based products); (b) the use of any content or other material (including, without limitation, the fee-based products) on this web site or any web site or web sites linked to this web site, (c) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from this web site (including, without limitation, the fee-based products); (d) unauthorized access to or alteration of your transmissions or data; (e) statements or conduct of any third party on our web site (including, without limitation, the fee-based products); or (f) any other matter relating to this web site. In no event shall our total liability to you for all damages, losses, and causes of action (whether in contract, tort (including, but not limited to, negligence), or otherwise) exceed the amount paid by you, if any, for accessing this web site. If you are dissatisfied with any portion of our web site, or with any of provision of this agreement, your sole and exclusive remedy is the discontinuation of your use of this web site.

Indemnity. You agree to indemnify and hold Personality Budgeting, its subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement and/or arising from a breach of these Terms & Conditions and/or any breach of your representations and warranties set forth above.

All questions relating to this web site's validity, interpretations, performance and enforcement, including the Terms & Conditions, shall be governed by and construed in accordance with the laws of the Commonwealth of Australia. Any action relating to this web site's validity, interpretations, performance and enforcement, including the Terms & Conditions, must be brought in the federal or state courts located in Brisbane, Qld, and you irrevocably consent to the jurisdiction of such courts. Our failure to enforce your strict performance of any provision of these Terms & Conditions will not constitute a waiver of our right to subsequently enforce such provision or any other provision of this policy. Any waiver, amendment or other modification of any provision of these Terms & Conditions will be effective only if in writing and signed by an authorized representative of Personality Budgeting.

Personality Budgeting will not be responsible or liable to you for any delay or failure to perform under these Terms & Conditions if such delay or failure results from fire, explosion, labor dispute, earthquake, casualty or accident, lack or failure of transportation facilities and/or services, lack or failure of telecommunications facilities and/or services including Internet services, epidemic, flood, drought, or by reason of war, civil commotion, blockade or embargo, act of God, any inability to obtain any requisite license, permit or authorization, or by reason of any law, proclamation, regulation, ordinance, demand or requirement of any government or by reason of any other cause whatsoever, whether similar or dissimilar to those enumerated, beyond the reasonable control of Personality Budgeting.

Special Admonitions for International Use
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the Commonwealth of Australia or the country in which you reside.

Miscellaneous Terms
All information presented by Personality Budgeting is for educational and entertainment purposes. The material is not intended to be a substitute for professional counselling. Personality Budgeting and the creators, producers, and distributors of the content disclaim any liability in connection with the advice, recommendations or products advertised on this site.

Personality Budgeting may assign our rights and obligations under this Agreement. This Agreement will inure to the benefit of our successors, assigns and licensees. The failure of either party to insist upon or enforce the strict performance of the other party with respect to any provision of this Agreement, or to exercise any right under this Agreement, will not be construed as a waiver or relinquishment to any extent of such party's right to assert or rely upon any such provision or right in that or any other instance; rather, the same will be and remain in full force and effect.

Entire Agreement
These Terms & Conditions represent the complete and entire agreement between Personality Budgeting and you and supersede all prior and contemporaneous agreements of the parties relating to the subject mater hereof. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. You acknowledge that you have read these Terms & Conditions and understand and agree to all of them in their entirety. You have independently evaluated the desirability of using Personality Budgeting, and are not relying on any representation, guarantee, or statement other than as set forth in these Terms & Conditions.

We sincerely hope you enjoy your use of the Personality Budgeting site. Please understand that these rules help make it possible to offer our valued users these Services.

 Disclaimer

The information on this web site is prepared as general information only and is not intended as advice in relation to your objectives, financial position or needs. Before acting on any information, you should consider if it is appropriate for your needs.

Official correspondence must be sent via postal mail to: