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Terms Of Use

 

Ethical Invest Group

PROGRAM PARTICIPATION

 TERMS AND CONDITIONS 

 

Ethical Invest Group (the “Group) provides education and skill development for finance professionals, advisers and paraplanners who want to expand their advice and client services to include ethical investments.

Through its main program, the Ethical Advice Accelerator Program (the "Program”) the Group provides financial advisers and related professionals with the confidence and professional tools to discuss ethical investment preferences with their clients and incorporate ethical investment products in their advice. 

From time to time the Group will offer additional programs to which these terms and conditions apply unless otherwise stated. 

This Program Participation Terms and Conditions (the "Agreement") is a legally binding contract between you (the "Program Participant") and Ethical Invest Group ABN: 29 238 432 149. 

The Program is facilitated by the Lead Instructor and Founder of Ethical Invest Group, Alexandra Brown. It covers the purchase and delivery of your selected program. 

You are deemed to have accepted the terms in this Agreement upon payment of your selected Programs’ fees, including the first instalment of a payment plan.

Please read this Agreement carefully and contact [email protected] if you would like to discuss any aspect of this Agreement.   

 
TERMS AND CONDITIONS

 

Term

  1. This Agreement will begin upon payment of the advertised Programs’ fees. 
  2. It will apply for the duration of the Program and completion of any payment plan going beyond the Programs' length.

 

Outline of Program  

The Group currently offers Ethical Advice Accelerator (the "Program"): 

Detailed syllabus can be accessed here: 

  1. Let's Get Started – Introduction to the Program
  1. Module 1: Introduction to Environmental, Social and Governance (ESG) and Responsible Investing
  2. Module 2: Market Drivers of Ethical Advice 
  3. Module 3: Climate Change Risk and Opportunities
  4. Module 4: ESG Issues – Environmental 
  5. Module 5: ESG Issues – Social
  6. Module 6: ESG Issues – Governance
  7. Module 7: ESG Screening and RI Techniques 
  8. Module 8: Engagement and Shareholder Advocacy
  9. Module 9: Investment Analysis and Recommendations
  10. Module 10: Client Communication and Advice Documents 

 

Continuity of Access

You understand and agree:

  1. Access to the Platform and Ethical Advice Accelerator program materials will cease to be available for Participants on 30th September 2024. Current published content including but not limited to tutorial videos, resource links, and downloadable workbooks and templates, will remain available to existing Members until this date.
  2. Ethical Advice Accelerator will cease accepting new members 31st March 2024.
  3. In the event Ethical Advice Accelerator is unable to continue to use the Platform during this time, upon notification of discontinuance, Ethical Invest Group will provide access to published content by alternate digital means until 30th September 2024.

 

Fees and Payment

You understand and agree:

Payment options for the Programs are as follows: 

  1. Full of the advertised Program fee at the time of enrolment.
  2. Payment Plan – 2 x payments paid monthly. 
  3. Payment Plan payments are automated on the Program Platform and debited from your nominated credit card. 
  4. All fees are in Australian Dollars. 
  5. Payment is accepted online by Stripe and PayPal. 

 

  • Discounts and special offers 
  1. From time to time, the Program may be offered at time-limited early bird or VIP pricing.
  2. Discount codes including but not limited to:
    1. 20% discount for RIAA, Ethos, Ethic Adviser and Ethical Advisers' Co-op 
    2. $200 discount for Ensombl (previously XY Adviser)

 

  • Late payments 
  1. You are responsible for ensuring required payments are made on time. 
  2. Ethical Invest Group reserves the right to cease Program access until the due fees are paid in full.
  3. If an account is beyond 30-days overdue, Ethical Invest Group reserves the right to turn the account to third-party collections. 
  4. This Agreement will be terminated at this time, and access to the Program will be revoked.

 

  • Variation
  1. Ethical Invest Group reserves the right to vary any fees at any time.
  2. Changes in fees will not affect you and will only apply to a new round of program delivery.

 

Refund Policy 

You understand and agree:

  1. You may withdraw from any Program for any reason within thirty (30) days of the Program's commencement.
  2. All withdrawal requests must be in writing to [email protected].
  3. A full refund, less any fees retained by Stripe or PayPal, will be provided within 14 days of notification of withdrawal.
  4. No refund is available after 30 days from the commencement of any Program.
  5. You remain liable for the remainder of the Program fee regardless of whether you paid in full or by payment plan. (Please see Refund Management for reasons other than a change of mind below).

 

Refund Management

You understand and agree:

  1. Your commitment to your success and completion of your Program is required to gain maximum results from the Program. 
  1. Refund requests after 30 days of the Program's commencement will be managed according to our obligations and your rights as consumers under Australian Consumer Law. 
  2. Refund requests after 30 days will be considered on a case by case basis and are not guaranteed. 
  3. Where your payment method is via a payment plan, costs will be calculated and deducted from the total fees owing to Ethical Invest Group.
  4. You will remain liable for the balance for payment owed to Ethical Invest Group.
  5. Failure to pay at any time is a breach of this Agreement, and we are entitled to seek legal relief and remedy for this breach and to recover the debt owed by you. 
  6. Outstanding accounts will be referred to a third party for debt collection. 

 

Day to day communication 

You understand and agree:

  1. Day to day communication for the Programs' duration is via email or the Program platform.
  2. Unless your communication is personal or confidential, you are requested to post all questions, comments, and observations to the Program platform.
  3. For any private matters such as queries regarding the Program, accounts, or personal issues, please email [email protected].
  4. Emails are responded to within 48 hours during business hours, Monday to Friday.
  5. A representative from the Group will respond to Platform questions within 72 hours on business days only.  

 

Financial Adviser, Paraplanner, and Other Member Expectations 

  1. Your commitment includes but is not limited to:
  • completing the entire Program
  • completing all weekly quizzes, assessments, and surveys
  • completing, learning, doing, and sharing activities
  • attending any bonus workshops and live sessions
  • being supportive of others in the Program

 

Platform

  1. The private Platform is by invitation only for Program Participants.
  2. The Platform’s sole purpose is to provide a private forum for Program Participants to access resource materials. 
  3. You agree to abide by the Platform’s rules of conduct, privacy and confidentiality of group discussions, member details and posts relating to their personal stories and businesses.  
  4. You are prohibited from promoting your business, Facebook and Telegram groups and similar programs to that of the Program, in the Platform posts, or by private message to other group members. 
  5. Toxic, abusive and disrespectful conduct will result in removal from the Platform. 
  6. Sharing of posts from the Platform, including images, is strictly prohibited. This conduct will result in immediate removal from the group.
  7. You will respect the confidentiality of each Financial Adviser, Paraplanner, and Participant in all group coaching calls. 
  8. You will not discuss another Financial Adviser or Paraplanner or Participant, or their personal stories or information in either an individual or professional context outside the group for any reason without the Financial Adviser or Paraplanner or Participant's express written permission. 

 

Technology issues

  1. If there are any problems with the website or if the host or network should go down due to circumstances beyond our control, Ethical Invest Group shall not be held responsible. We will do our best to get the system back up as soon as possible when it is within our control.
  2. Ethical Invest Group shall not be liable to you or any other party because of any viruses or malware that may infect your or any other party's electronic equipment. 
  3.  You agree that you:
    1. will not use any robot, spider or other devices, process or means to access the Program;
    2. will not compromise or circumvent the security controls of the Program or otherwise gain unauthorised access to the Program; and
    3. will not attempt to interfere with the proper working of the Program.

 

Program Dashboard and Platform

  1. You will be required to register your details to create a password to access the Program Dashboard, and the Platform's program content.
  2. Your login details will be shared with you to the email address provided at registration. 
  3. It is your responsibility to ensure the details you provide are correct and current. 

 

Password security 

  1. You are solely responsible for the protection and confidentiality of any password that may be issued to or subscribed for by you from time to time.  
  2. You will not share your password with any other person. 
  3. You will immediately notify us if your password is lost or becomes known to any other person. 
  4. You are solely responsible for access and use of this Site via your password, whether such access or use is by you or any other person.
  5. The personal information you provide to the Program will be managed according to our Privacy Policy https://www.ethicalinvestgroup.com/pages/privacy-policy.

 

Confidentiality 

  1. All information shared with the Lead Instructor during individual coaching sessions is confidential and will not be shared with a third party unless required by law. 
  2. Personal and business information provided by you is managed by our Privacy Policy. 

 

Intellectual Property and Copyright

  1. Alexandra Brown is the Ethical Advice Accelerator Program creator, which delivers engaging content covering foundational knowledge and advanced skills for providing ethical investment advice. 
  2. Alexandra Brown owns the common law trademark and intellectual property rights in the term "Ethical Advice Accelerator".
  3. You are expressly prohibited from using the term "Ethical Advice Accelerator" in your business name, company title or branding. To do so will be a breach of Alexandra Brown's intellectual property rights and this Agreement. 
  4. You may offer the service of Ethical Advice; however, you may not include the term Ethical Advice Accelerator in your business name or branding. 
  5. All material, including but not limited to videos, call recordings, resource downloads, and templates available in the Program and within any program created by Alexandra Brown, are the property of Alexandra Brown and Ethical Invest Group and their affiliates or licensors. They are protected by copyright, trademark, and other intellectual property laws. 
  6. As a Financial Adviser or Paraplanner, you are bound, at all times, to ensure that you do not breach our intellectual property rights at any time for any reason.
  7. You may not use any of the materials available in the Program or any teaching platform or in a manner that infringes on our rights or has not been expressly authorised by us.
  8. All material, including but not limited to videos, call recordings, resource downloads, and templates available in the Program and within any program created by Alexandra Brown and Ethical Invest Group, is provided solely for your personal and non-commercial use. 

 

Use by licence only 

  1. Use of materials for any other commercial purpose is prohibited without the express written permission of Alexandra Brown.
  2. You may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material the Program or related programs without the express permission of Alexandra Brown. You may request such permission by emailing [email protected].

 

Publication of assessment material

  1. You agree to grant a royalty-free, unlimited, perpetual and irrevocable license to Alexandra Brown and Ethical Invest Group and its associated entities to publish, reuse and repurpose content and assessment created by you during any Program engaged in with Ethical Invest Group for any business-related purpose whatsoever. 

 

Disclaimer 

 You understand and agree:

  1. The goal of the Program is to support financial advisers and paraplanners learn about ethical investing and develop fundamental advice skills to help their clients to invest ethically.
  2. The  Program deals with education about ethical products and advice delivery. It does not provide financial advice to your clients or to you as a learner in this Program. It is your responsibility to do your own due diligence when providing advice to your clients. 
  3. Ethical Invest Group, and Alexandra Brown cannot make any guarantees about your ability to get results or improvements with your skills or otherwise with the curriculum, coaching, tools, ideas, information, or strategies provided.   
  4. Results are dependent on various factors, including but not limited to your commitment, personal ability, and dedication, and is in no way dependent on any information or strategy provided to you by Ethical Invest Group or Alexandra Brown.
  5. You have purchased the Program and engaged Alexandra Brown's services at your own risk.
  6. All content, resources and coaching are provided for personal use and information only.
  7. Ethical Invest Group, and Alexandra Brown does not offer any representations, warranties, or guarantees, verbally or in writing, regarding your results from the Programs.
  8. Ethical Invest Group and Alexandra Brown does not endorse any of the investment products or services or advice or content mentioned in the Program including but not limited to recorded masterclass by guest experts and other third parties as suitable or unsuitable for investment purposes. Any investment products, services or ideas mentioned are for case study, reference demonstration of learning principles only.

 

Earnings disclaimer

  1. Ethical Invest Group and Alexandra Brown does not make any guarantees about your ability to get results or earn any money from mentoring, advice, ideas, information, or strategies provided in any Program. 
  2. You acknowledge that there is an inherent risk in any business enterprise or activity. There is no guarantee that you will earn any money as a result of the purchase of any Program. 
  3. Nothing in the disclaimer above will limit or exclude any liability that may not be limited or excluded by applicable law.

 

Limitation of Liability

You understand and agree:

  1. Liability for the services provided by Ethical Invest Group and Alexandra Brown is governed solely by Australian Consumer Law and these Terms and Conditions.  
  2. Nothing in these Terms removes your Statutory Rights as a consumer under Australian Consumer Law and any other relevant legislation. 
  3. To the extent permitted by law:
  1. Ethical Invest Group, and Alexandra Brown exclude all express or implied representations, conditions, guarantees, warranties, and terms relating to any Services except those set out in this Agreement; 
  2. Ethical Invest Group denies any liability in contract, tort (including negligence), or otherwise for any direct, indirect, special, incidental, or consequential costs, losses, claims, damages, expenses or proceedings incurred or suffered by you arising directly or indirectly out of or in connection with its services, including but not limited to any loss, damage or expense arising from any defect, error, imperfection, fault, mistake or inaccuracy with the information or advice provided by the Program or Alexandra Brown; and
  3. Ethical Invest Group guarantees all services are supplied to you with due care and skill and fit for the purpose that the services have been advertised.
  1. To the extent that Ethical Invest Group is unable to exclude liability, total liability for loss or damage you suffer or incur from services by Ethical Invest Group and Alexandra Brown is limited to re-supplying the Services to you, or, at our option, refund to you the amount you have paid for the Services to which your claim relates.

 

Dispute Resolution 

You understand and agree:

  1. You will contact Alexandra Brown immediately with any concerns for quick and effective resolution through friendly consultation.
  2. In the event of a dispute, you agree to the following Dispute Resolution Procedure:

 

  1. You must advise Alexandra Brown in writing of the nature of the dispute, the outcome you seek and what actions you believe will settle the dispute. 
  2. You agree to meet with a key representative of Alexandra Brown in person or via Zoom or Skype, in good faith to seek to resolve the dispute by Agreement and compromise.
  3. If an agreement cannot be reached to resolve the dispute, any party may refer the dispute for mediation to The Law Society of South Australia.
  4. Both parties must attend the mediation in good faith to seek to resolve the dispute.
  5. Litigation via the court process may only be considered after a genuine attempt at mediation bought by either party is unsuccessful. 
  6. Confidentiality is paramount to both parties personal and professional reputations and standing in their business and community.
  7. At no time will any communications or discussions be made public, including but not limited to any social media platforms or websites of either party. 
  8. Any public discussion or comments about either party will be considered defamatory, harmful or otherwise damaging. They will be the subject of compensation in any mediation or litigation claim.

 

Governing Law  

You understand and agree:

  1. The Terms and Conditions of this Agreement are governed and construed under the laws of South Australia. 
  2. Each party irrevocably and unconditionally submits to the exclusive jurisdiction of the courts of South Australia.

 

Thank you for reading this Agreement.  By proceeding with your payment, you accept the Program Terms and Conditions contained in this Agreement.

 

Last updated January 1st, 2024. 

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