Welcome to our website. This website with URL address is owned and operated by, Caffea Consulting
Pty Ltd, ABN 75 636 798 779.

The terms’ us’ or ‘our’ or ‘we’ refer to Caffea Consulting Pty Ltd, the owner of the website, whose
registered office is in Australia. The term ‘you’ or ‘your’ refers to the website user.

Caffea Consulting Pty Ltd is a business that provides the following services and products:

▪ Group Money Management Coaching
▪ 1:1 Money Management Coaching
▪ Downloadable Reference materials

Please read these Terms and Conditions carefully, as together with our Privacy Policy; it sets out your important rights and obligations in relation to

1. the use of this website
2. all services and products provided through this website.

Should you not agree with any of these terms and conditions, please do not use our website.

1. Your use of this website is subject to the following terms and conditions:

1.1. When you visit this website and use our services or purchase our products, you agree
that you have read these Terms and all related documents and that you are willing to be
bound by them.
1.2. The content of this website is for your general information and use only. It is subject to
change without prior notice.

2. Variation

2.1. We may update our terms and conditions from time to time, and the new provisions will
apply from the date they are updated.

3. Disclaimer (General)

3.1. Whilst every care is taken, [insert business name] does not provide any warranty or
guarantee as to the performance, accuracy, timeliness, completeness, or suitability of
the information and materials found or offered on this website for any particular
purpose. The information available through this website site is provided for educational
and general business interest purposes only.
3.2. You are solely responsible for any results you obtain as a result of using the information
on this website. You acknowledge and agree that no information or advice provided by
us, including that contained on this website, in any way constitutes personal or business
financial advice or advice of any other regulated industry or creates a warranty of any
kind with respect to this website.
3.3. This disclaimer applies to the fullest extent permitted by law and survives any
termination or expiration of this agreement or your use of this website or the services
found on this website.

4. Copyright, trademarks, and other intellectual property

4.1. Caffea Consulting Pty Ltd owns the intellectual property rights in all of the content of
this website or has permission to use or display the material on this website.
4.2. You may not use, copy, display, distribute, modify, translate, reformat, incorporate into
advertisements and other works, promote, create derivative works, or in any way
exploit or allow others to exploit any of our website content in whole or in part except
as expressly authorised by us.
4.3. Please email hello@alisonwalton.com if you require permission to reproduce any of the
contents of this website.
4.4. Images and item descriptions posted on this website by third parties are the
responsibility of those third parties and may be subject to copyright.
4.5. You must seek permission from a third party before using any of their content. The
names of actual companies and products mentioned on this website may be the
trademarks of their respective owners.

5. Personal use only

5.1. You may access, download, or print material from the website for your personal use
only.
5.2. Sharing any intellectual property or copyright material from this website for commercial
use of any sort without permission is expressly prohibited.
5.3. You agree not to change or delete any copyright or proprietary notice from materials
downloaded from this website or any site accessible through this website.
5.4. Except as otherwise expressly granted to you in writing, we do not grant you any other
express or implied right or license to our website content or our intellectual property.

6. No unlawful or prohibited use

6.1. As a condition of your use of this website, you warrant that you will not use this website
for any purpose that is unlawful or prohibited by these terms and conditions.
6.2. You may not use this website in any manner which could damage, disable, overburden,
or impair this website or interfere with any other person’s use and enjoyment of this
website.
6.3. You agree not to hack into areas of this website that are not intentionally made available
to you.
6.4. You expressly agree not to:
6.4.1. engage in any internal or external spamming, or other similar actions
6.4.2. engage in any unlawful or immoral acts, or acts that are in violation of these
terms and conditions
6.4.3. decompile, reverse engineer, or try to copy or imitate this website or
underlying content
6.4.4. use the website to copy, store, host, transmit, send, use, publish or distribute
any material which consists of (or is linked to) any spyware, computer virus, or
other malicious computer software.
6.4.5. use data collected from the website for any direct marketing activity (including
without limitation, email marketing, social media marketing, online marketing,
SMS marketing, telemarketing, and direct mailing).
6.4.6. use data collected from the website to contact individuals, companies, or
other persons or entities for marketing purposes.
6.5. You must ensure that all the information you supply to us through our website, or in
relation to our website, is true, accurate, current, complete, and not misleading.

7. Copyright infringement

7.1. If you believe that there is material on our website that infringes third-party intellectual
property rights, please email hello@alisonwalton.com with sufficient information to
enable us to determine who the owner of the intellectual property is and to remove it
from the Alison Walton website if appropriate.

8. Cookies

8.1. This website uses cookies to monitor browsing preferences.
8.2. By using our website or by agreeing to these Terms of Use, you consent to our use of
cookies in accordance with the terms of our Privacy Policy.

9. Third-party links

9.1. This website may also, on occasion, include links to other websites which are not
controlled by us.
9.2. These links are provided for your convenience to provide you with further information.
You acknowledge that they are used at your own risk.
9.3. Third-party links on our website do not signify that we recommend or endorse the
websites.
9.4. We have no control over the nature, content, and availability of those websites.

10. Website security

10.1. Caffea Consulting Pty Ltd makes every effort to maintain the security of the Alison
Walton website, including but not limited to encryption, firewall, antivirus, and spyware
protection to the extent that we deem advisable to protect your personal information,
the integrity of the website and conduct our business. However, we do not guarantee
the security of the website, our records, or your content.
10.2. Caffea Consulting Pty Ltd disclaims all liability for any computer virus or technological
problems that we do not intentionally cause or that are beyond our control. You are
advised to install and maintain up-to-date security software on your computer for your
further protection.
10.3. The Alison Walton website is managed by third-party services; therefore, the website
may be inaccessible from time to time.

11. Limitation of Liability

11.1. Caffea Consulting Pty Ltd will not be liable to you or any other person or entity for any
damages whatsoever arising as a result of your use of this website in any way, subject to
the requirements of
11.2. Where warranties are implied by law, you acknowledge and agree that the total
aggregate liability to us is limited at our discretion to the provision of those services
again, or to a refund equal to the total amount paid by you for the particular services
that are the subject of the cause of action, even if those services were provided to you
without cost.
11.3. This limitation of liability applies to the fullest extent permitted by law and shall survive
any termination or expiration of this agreement or your use of this website or the
services found on this website.

12. Indemnity

12.1. You agree to indemnify and defend Caffea Consulting Pty Ltd from any claims, damages,
liabilities, costs, or expenses (including without limitation court costs, collection costs,
and reasonable legal fees) related to:
12.1.1. your unauthorised use of this website or products or services included or
advertised on this website
12.1.2. your breach of these Terms of Use.

13. Applicable law

13.1. This agreement is governed by the laws of the and you consent to the exclusive
jurisdiction and venue of courts within the, in all disputes arising out of or relating to
the use of this website.
13.2. You may provide notice to us through the contact us page or otherwise by email
addressed hello@alisonwalton.com
13.3. Caffea Consulting Pty Ltd may provide notice to you via email or other electronic means.
13.4. Use of this website is unauthorised in any jurisdiction that does not give effect to all
provisions of these terms of use, including without limitation, this paragraph. If you are
resident in a jurisdiction where the use of this website is unauthorised, it is your
responsibility to stop using this website.

14. Relationship

14.1. You agree that no joint venture, partnership, employment, or agency relationship exists
between you and Caffea Consulting Pty Ltd as a result of this agreement or use of this
website.

15. Validity

15.1. If any part of these terms and conditions is determined to be invalid or unenforceable
pursuant to applicable law including, but not limited to, the warranty disclaimers and
liability limitations, then the invalid or unenforceable provision will be deemed
superseded by a valid, enforceable provision that most closely matches the intent of the
original provision and the remainder of the terms and conditions will continue in effect.
15.2. These terms and conditions, together with our Privacy Policy, form the entire
agreement between you and Caffea Consulting Pty Ltd.

16. Feedback, comments, or complaints
16.1. If you have any questions, please email hello@alisonwalton.com. We endeavour to
respond to all inquiries within three business days.

This site is owned by me, Alison Walton. Your privacy while using this site is one of my top concerns and I want your use of this website to be completely secure as well as informative. I may gather certain types of information from you so I can help you better and I insist that you read and understand this privacy policy and all the material found on this page. The material on this page will tell you exactly what information I may gather from you and how I may use it.

Information Gathered

I may retrieve two different types of information from you. The first type of information is provided by you via optional forms and submissions. This enables me to include you in my newsletter or participate in any discussion forums I may offer or for any surveys I may have. I also may use information retrieved via aggregated tracking systems. This enables me to keep track of page views, how you found my site, etc. I use this information to help adjust my content to suit you, the customer, better. I can tailor my advertising and sponsorship to fit the overall demographic of my visitors this way. I will never give out your personal information to any type of third-party unless ordered to do so by a court of law.

Information Use

I will only use information gathered about my visitors to make my site more appealing. I can use information gathered to determine what pages of my site are visited the most and which ones are not.

Information Sharing

I use the above-described information to tailor my content to suit your needs. I will never share information about any individual users of this site unless required to do so by law.

Security

I only use secure networks that are protected by password and firewalls. I occasionally review my security measures to ensure they are up to date and working properly. Only authorised individuals have access to any information that is provided by you, the customer.

Consent

Using this site assumes that you consent to any collection and/or use of information by me. I may periodically change my privacy policy, so I encourage you to check this page occasionally for any changes. I may make these changes without notice.

General

This website (the “Site”) is owned and operated by ALISON WALTON. By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, my Privacy Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or Direct from myself. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service. I reserve the right to change these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case I will post the revised Terms of Service on this website. By continuing to use the Site after I post any such changes, you accept the Terms of Service, as modified.

Non–Disparagement:

In the event of a dispute between us, you agree to not engage in any conduct or communications, public or private, designed to disparage the Program, the Coach, Alison Walton, or any of the Program participants. Where required by law or arbitration, you are not prohibited from sharing your thoughts and opinions as a part of the legal process.

Intellectual Property Rights

My Limited License to You

This Site and all the materials available on the Site are the property of myself and/or my affiliates and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of my rights or that has not been authorized by me. More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials, 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 from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Disclaimers

Throughout the Site, I may provide links and pointers to Internet sites maintained by third parties. My linking to such third-party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through the sites. In addition, neither I nor affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Site or on websites linked to by myself on the Site. If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are those of the respective authors or distributors, and not Alison Walton. Neither Alison Walton nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content. Furthermore, Alison Walton, neither endorses nor is responsible for the accuracy and reliability of any opinion, advice, or statement made on any of the Sites by anyone other than an authorized Alison Walton representative while acting in my official capacity.

The information, products and services offered on or through the site and by Alison Walton and any third-party sites are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible, pursuant to applicable law, I disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. I do not warrant that the site or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that any part of this site, including bulletin boards, or the servers that make it available, are free of viruses or other harmful components. I do not warrant or make any representations regarding the use or the results of the use of the site or materials on this site or on third-party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise.

You agree at all times to defend, indemnify and hold harmless Alison Walton, its affiliates, their successors, transferees, assignees and licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees of each from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant set forth herein.

Earnings Disclaimer

I don’t believe in get rich programs. I believe in hard work, adding value and serving others.

My programs are intended to help you share your message with a larger audience and to make a difference in the world, while growing your business. As stipulated by law, I cannot and do not make any guarantees about your ability to get results or earn any money with my ideas, information, tools or strategies.

After all, it takes hard work to succeed at anything in life. Your results are up to you and the amount of effort and resources you are willing to put into succeeding.

I just want to help by giving great content, direction and strategies that move you forward.

Nothing on this page or any of my websites is a promise or guarantee of results or future earnings, and I do not offer any legal, medical, tax or other professional advice.

Any financial numbers referenced here, or on any of my sites, are simply estimates or projections, and should not be considered exact, actual or as a promise of potential earnings.

All numbers are illustrative only.

Online Commerce

Certain sections of the Site may allow you to purchase many different types of products and services online that are provided by third parties. I am not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services. If you make a purchase from a merchant on the Site or on a site linked to by the Site, the information obtained during your visit to that merchant’s online store or site, and the information that you give as part of the transaction, such as your credit card number and contact information, may be collected by both the merchant and myself. A merchant may have privacy and data collection practices that are different from mine. I have no responsibility or liability for these independent policies. In addition, when you purchase products or services on or through the Site, you may be subject to additional terms and conditions that specifically apply to your purchase or use of such products or services. For more information regarding a merchant, its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that merchant’s website and click on its information links or contact the merchant directly. You release myself and my affiliates from any damages that you incur and agree not to assert any claims against me or them, arising from your purchase or use of any products or services made available by third parties through the Site.

Your participation, correspondence or business dealings with any third party found on or through my Site, regarding payment and delivery of specific goods and services, and any other terms, conditions, representations or warranties associated with such dealings, are solely between you and such third party. You agree that ALISON WALTON shall not be responsible or liable for any loss, damage, or other matters of any sort incurred as the result of such dealings.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You agree to use the Site and to purchase services or products through the Site for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party’s personal information to us or a merchant, you represent that you have obtained the express consent of such third party to provide such third party’s personal information.

Interactive Features

This Site may include a variety of features, such as bulletin boards, web logs, chat rooms, and email services, which allow feedback to us and real-time interaction between users, and other features which allow users to communicate with others. Responsibility for what is posted on bulletin boards, web logs, chat rooms, and other public posting areas on the Site, or sent via any email services on the Site, lies with each user – you alone are responsible for the material you post or send. I do not control the messages, information or files that you or others may provide through the Site. It is a condition of your use of the Site that you do not:

• Restrict or inhibit any other user from using and enjoying the Site.
• Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
• Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies or regulations of the networks I use to provide the Site.
• Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.
• Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining or other illicit means.
• Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.
• Use the Site to post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
• Use the Site to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder.
• Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.
• Use the Site to post, transmit or in any way exploit any information, software or other material for commercial purposes, or that contains advertising.
• Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without my express written approval.
• Gather for marketing purposes any email addresses or other personal information that has been posted by other users of the Site.

ALISON WALTON may host message boards, chats and other public forums on its Sites. Any user failing to comply with the terms and conditions of this Agreement may be expelled from and refused continued access to, the message boards, chats or other public forums in the future. ALISON WALTON or its designated agents may remove or alter any user-created content at any time for any reason. Message boards, chats and other public forums are intended to serve as discussion centres for users and subscribers. Information and content posted within these public forums may be provided by ALISON WALTON staff, ALISON WALTON’s outside contributors, or by users not connected with ALISON WALTON, some of whom may employ anonymous usernames.

ALISON WALTON expressly disclaims all responsibility and endorsement and makes no representation as to the validity of any opinion, advice, information or statement made or displayed in these forums by third parties, nor are I responsible for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will I, my affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums are solely the opinions of the participants, and do not reflect the opinions of ALISON WALTON or any of its subsidiaries or affiliates.

ALISON WALTON has no obligation whatsoever to monitor any of the content or postings on the message boards, chat rooms or other public forums on the Sites. However, you acknowledge and agree that I have the absolute right to monitor the same at my sole discretion. In addition, I reserve the right to alter, edit, refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose such materials and the circumstances surrounding their transmission to any third party in order to satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves, my clients, sponsors, users and visitors.

Limitation of Liability

Under no circumstances, including, but not limited to, negligence, shall I, my subsidiary and parent companies or affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, the site, including its materials, products, or services, or third-party materials, products, or services made available through the site, even if I am advised beforehand of the possibility of such damages. (Because some states do not allow the exclusion or limitation of certain categories of damages, the above limitation may not apply to you. In such states, my liability and the liability of my subsidiary and parent companies or affiliates is limited to the fullest extent permitted by such state law.) You specifically acknowledge and agree that I am not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with the site, any materials, products, or services on the site, or with any of the site’s terms and conditions, your sole and exclusive remedy is to discontinue using the site and the products, services and/or materials.

This site is continually under development and Alison Walton makes no warranty of any kind, implied or express, as to its accuracy, completeness or appropriateness for any purpose

PARTICIPANT acknowledges and agrees that no representation has been made by OR ITS AFFILIATES and relied upon as to the future income, expenses, sales volume or potential profitability that may be derived from the participation in this program.