1. About Us

These Websites are operated by Empower Wealth Education Pty Ltd (ABN 46 159 202 669) trading as The Property Couch.

The Property Couch forms part of the Empower Wealth group of businesses. Empower Wealth is a trading name of Integrated Pathways Pty Ltd (ABN 68 110 217 537 / ACN 110 217 537).

In these Terms, references to “we”, “us” or “our” are references to Empower Wealth Education Pty Ltd trading as The Property Couch.

Our Websites include, without limitation:

  • www.thepropertycouch.com.au
  • www.start.thepropertycouch.com.au

2. Acceptance of These Terms

By accessing or using our Websites, you agree to be bound by these Terms of Use, our Disclaimer, and our Privacy Policy (together, Terms).

If you do not agree to these Terms, you must not use our Websites.

We may update these Terms from time to time by publishing the updated version on this page. The updated Terms take effect from the date they are published, unless stated otherwise.

3. Website Content and General Information Warning

The content made available through The Property Couch, including on our Websites, podcast, emails, videos, webinars, downloads, courses and related materials, is provided for general information and educational purposes only.

The content has been prepared without taking into account your personal objectives, financial situation or needs. It does not constitute personal financial advice, financial product advice, credit advice, tax advice, legal advice, or any recommendation that a particular strategy, investment or course of action is suitable for you.

Before acting on any information, you should consider whether it is appropriate to your circumstances and seek independent advice from appropriately qualified professional advisers, including financial, legal, tax, lending or property professionals, as applicable.

Nothing on our Websites or in our content is a promise, representation or guarantee of future results, capital growth, rental returns, borrowing capacity, financial outcomes or other performance. Any examples, case studies, testimonials, projections or past performance references are illustrative only and may not be achieved by you. Individual outcomes vary based on a range of factors, including personal circumstances, market conditions, risk tolerance, financing, timing and implementation.

The Property Couch content is intended for Australian residents only, unless otherwise stated.

4. No Reliance and Limitation of Liability

While we take reasonable care in preparing the content on our Websites, we do not warrant or represent that the content is complete, accurate, current, reliable or suitable for any particular purpose.

To the maximum extent permitted by law, we exclude all liability for any loss, damage, cost or expense incurred by you or any other person arising from the use of, or reliance on, the Websites or any content made available through them, whether direct, indirect, incidental, special or consequential.

However, nothing in these Terms excludes, restricts or modifies any rights or remedies you may have under the Australian Consumer Law or any other law where such rights cannot lawfully be excluded or limited.

Where liability cannot be excluded but can be limited, our liability is limited to the maximum extent permitted by law.

5. External Links and Third-Party Content

Our Websites may contain links to third-party websites, platforms or resources for convenience only. We do not control, endorse or approve third-party content and are not responsible for its availability, accuracy, legality or suitability.

If you access third-party sites, you do so at your own risk and should review the terms and privacy policies of those sites.

6. Visitors and Registered Users

You may access some parts of the Websites without registering as a user.

If you create an account, register for a course, download content, join a program, subscribe to updates, purchase a product or service, or otherwise provide your details to us, you may become a Registered User.

We may accept or reject registrations at our discretion and may suspend or terminate accounts where these Terms are breached or where we reasonably consider it necessary to protect our business, users, systems or community.

7. Account Security

If you create an account, you must provide current, accurate and complete information.

You are responsible for maintaining the confidentiality of your login details and for all activity that occurs under your account. You must notify us promptly if you become aware of any unauthorised access to or use of your account.

We may suspend, reset or disable login details where reasonably necessary for security, operational or compliance reasons.

8. Community Standards

If our Websites allow comments, posts, community participation or submission of other user-generated content, you must not post, upload, transmit or otherwise make available any content that:

  • is unlawful, misleading, deceptive, defamatory, harassing, threatening, abusive or otherwise objectionable;
  • infringes another person’s copyright, trade mark, privacy or other rights;
  • contains another person’s confidential or sensitive personal information without authority;
  • contains malware, viruses or harmful code;
  • promotes spam, scams, unauthorised advertising or competing commercial activity; or
  • impersonates another person or misrepresents your affiliation with any person or entity.

We may remove content, restrict access or suspend accounts where we reasonably believe content breaches these Terms or creates legal, operational or reputational risk.

9. Purchases, Pricing and Payment

If you purchase a product or service through our Websites, you agree to pay the price and any applicable fees, charges and taxes displayed at checkout.

You must provide accurate and complete payment, billing and delivery information. We may use third-party payment service providers to process payments securely on our behalf.

All prices are in Australian dollars and are inclusive of GST.

Physical products are generally available only for delivery within Australia unless we agree otherwise.

10. Delivery of Physical Products

For physical products such as books:

  • delivery is generally available only to Australian delivery addresses unless otherwise agreed by us;
  • estimated delivery timeframes are indicative only and may vary;
  • risk in physical goods passes to you on delivery, to the extent permitted by law.

If you require overseas delivery, please contact us before ordering.

11. Refunds and Consumer Rights

11.1 Australian Consumer Law

Nothing in these Terms excludes or limits your rights under the Australian Consumer Law, including any applicable consumer guarantees.

If goods or services supplied by us fail to meet a consumer guarantee, you may be entitled to a repair, replacement, refund, resupply or compensation, depending on the nature of the problem and your rights under law.

11.2 Change of Mind

Unless otherwise stated, we are not required to provide a refund or exchange if you change your mind, order the wrong item, or no longer want a product or service.

However, we may choose to offer a change-of-mind remedy in our discretion in appropriate circumstances.

11.3 Book Orders

For physical book orders, we may offer a refund, replacement or other remedy where:

  • the item is faulty or damaged;
  • the item is not as described; or
  • you are otherwise entitled to a remedy under the Australian Consumer Law.

If you provide an incorrect or incomplete delivery address, or fail to notify us of an error before dispatch, additional postage or handling charges may apply if re-delivery is requested.

11.4 Courses and Digital Products

If a course, workshop or digital product is sold with a specific satisfaction guarantee or refund policy, the terms of that specific offer will apply in addition to your rights under the Australian Consumer Law.

Where we offer a voluntary guarantee (for example, a stated time-based satisfaction guarantee), the eligibility requirements, claim process and timeframe for that guarantee will be set out on the relevant sales page or checkout page.

Any voluntary guarantee is separate from, and does not replace, your rights under the Australian Consumer Law.

11.5 Refund Requests

If you believe you are entitled to a refund or other remedy, please contact us at [email protected] with your order details and a description of the issue.

Approved refunds will be processed back to the original payment method where possible.

12. Course & Digital Product

We stand behind the quality of our courses and digital products and offer a satisfaction-based guarantee on eligible programs.

If you purchase a course or digital product and, after genuinely completing the program, you do not believe it has delivered value, you may request a refund within the applicable guarantee period, subject to the conditions below.

Eligibility Requirements

To be eligible for a refund under this guarantee, you must:

  • have accessed and completed all core course content, including:
    • watching all video lessons;
    • listening to all required audio content; and
    • downloading and reviewing all resources provided as part of the program; and
  • submit a refund request within the stated guarantee period (e.g. 365 days); and
  • provide a brief explanation of why the course did not meet your expectations or deliver value.

Where applicable, we may verify course completion through platform data or request reasonable supporting detail regarding your experience.

Important Notes

  • This satisfaction guarantee is designed to encourage full participation in the program and ensure you give the content a fair and reasonable opportunity to deliver value.
  • Refunds will not be provided where there has been minimal engagement, partial completion, or misuse of the program.
  • This guarantee applies once per customer per course.

Australian Consumer Law

This satisfaction guarantee is provided in addition to your rights under the Australian Consumer Law.

Nothing in this policy excludes, restricts or modifies any rights or remedies you may have under law, including where a course or digital product fails to meet consumer guarantees.

13. Intellectual Property

All content on the Websites, including text, graphics, logos, course materials, PDFs, downloads, videos, audio, podcast content, images, branding and software, is owned by us or our licensors and is protected by intellectual property laws.

You may view Website content for your own personal, non-commercial use.

You must not, without our prior written consent:

  • reproduce, modify, distribute, republish, sell, license or commercially exploit any content;
  • use our content to train, build or improve competing products or services;
  • remove copyright, trade mark or proprietary notices; or
  • use our trade marks, branding or logos in a way that suggests endorsement or affiliation.

Any rights not expressly granted are reserved.

14. Communications with Us

You can contact us using the contact details published on our Websites.

Please do not send us sensitive confidential information by unsecured email, including detailed financial, lending or identity documents, unless we expressly request it through a secure method.

15. Availability of the Websites

We do not guarantee that the Websites will always be available, uninterrupted, secure or error-free.

We may modify, suspend, withdraw or discontinue all or part of the Websites at any time, including for maintenance, operational, legal or security reasons.

16. Termination

We may suspend or terminate your access to all or part of the Websites at any time where we reasonably believe:

  • you have breached these Terms;
  • your use presents legal, security or reputational risk; or
  • we are required to do so for operational or compliance reasons.

Termination does not affect any rights or liabilities accrued before termination.

17. Governing Law

These Terms are governed by the laws of Victoria, Australia.

You submit to the non-exclusive jurisdiction of the courts of Victoria and any courts competent to hear appeals from those courts.

18. Privacy Policy

18.1 Our commitment to privacy

We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

18.2 What personal information we may collect

We may collect personal information such as your name, email address, phone number, postal address, payment details, account details, purchase history, enquiry details, event registrations, survey responses and interactions with our Websites, emails and content.

18.3 How we collect personal information

We may collect personal information when you:

  • visit our Websites;
  • submit a form, enquiry or application;
  • register for content, webinars, newsletters, events or programs;
  • create an account;
  • purchase a product or service;
  • communicate with us; or
  • interact with our emails, advertising or digital platforms.

We may also collect information through cookies, pixels, analytics tools and similar technologies.

18.4 Why we collect, hold, use and disclose personal information

We may collect, hold, use and disclose personal information for purposes including:

  • providing our Websites, products, services and content;
  • processing registrations, purchases and payments;
  • communicating with you about enquiries, support, updates, events and offers;
  • improving our Websites, marketing and customer experience;
  • conducting analytics, research and service development; and
  • complying with legal and regulatory obligations.

18.5 Direct marketing

Where permitted by law, we may use your personal information to send you marketing communications about content, products, services, events or promotions that may be of interest to you.

You can opt out of marketing communications at any time by using the unsubscribe link in the communication or by contacting us.

18.6 Disclosure to third parties

We may disclose personal information to our related entities and trusted service providers who assist us with website hosting, analytics, CRM, marketing, payment processing, event management, customer support, administration, legal, accounting and other business functions.

We may also disclose personal information where required or authorised by law.

18.7 Overseas disclosure

Some of our service providers may store or process personal information outside Australia. Where this occurs, we take reasonable steps to ensure that personal information is handled in accordance with applicable privacy laws.

18.8 Security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

18.9 Access and correction

You may request access to personal information we hold about you and ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading.

18.10 Complaints

If you have a complaint about how we handle your personal information, please contact us using the details below. We will review your complaint and respond within a reasonable time.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).

18.11 Contact

For privacy enquiries, access or correction requests, or complaints, please contact:

The Property Couch / Empower Wealth Education Pty Ltd
Email: [email protected]
Website: www.thepropertycouch.com.au