TERMS OF USE

These Terms of Use (‘Terms’) apply to all participants in our Courses or users of our website. By accessing our Courses or using our website, you agree to be bound by these Terms as well as any and all general Terms & Conditions posted on our website from time to time.

DEFINITIONS

‘Content’ means any and all Course material, including but not limited to videos, text, images, audio, workbooks, assignments and interactive activities accessed as part of our Course from time to time.

‘Course’ means the Luxe Insights Academy™ (‘LIA’ or the ‘Academy’), a structured program of Content, accessed online and designed to provide participants with specific skills and knowledge of a subject.

‘We’, ‘our’ and ‘us’ means Luxe IQ Pty Ltd, trading as Luxe Consumer IQ™, and includes all officers, directors, employees, contractors and affiliates. Luxe Insights Academy™ is an educational product provided by Luxe IQ Pty Ltd.

‘You’ and ‘your’ means any participant in our Courses or user of our website.

LICENSE

Upon acceptance of these Terms, we hereby grant you a non-exclusive, non-transferable, limited license to access and use our Courses.

Our Courses may only be used for your own individual, personal, non-commercial use.

You may view, browse and search our Content but only store, download or print a maximum of one copy of our Content for your own personal use.

Course access is provided to the individual participant enrolled in the Course. Login details and Course access may not be shared with another person.

You agree not to modify, alter, disassemble, decompile, translate or convert into a human-readable form or reverse engineer all or any part of our Content.

You agree not to share, sell, license or distribute any of our Content to third parties or use our Content in any part or whole, in any commercial venture, business or package or in any way for sale, license or distribution without our written consent.

You agree not to store or use our Content in any database or other storage facility, in either paper or electronic form, which is meant to provide public access to knowledge or information.

You agree not to in any other way reproduce, copy, download, scrape, store, publish, transmit, re-transmit, transfer, communicate, distribute, disseminate, broadcast, circulate, sell, resell or otherwise use our Content or any part or portion of our Content in any form or by any means.

Any unauthorized use of our Content will result in your License being terminated and may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

We reserve the right to disclose your name and any other personal details to any law enforcement authority or other competent authority or to any person for the purpose of legal proceedings, prosecution, investigation or any breach or alleged breach of the law or these Terms.

DISCLAIMER

Our Courses, Content and any related resources provided are for educational and general information purposes only and should not be considered professional advice or a substitute for professional training.

We do not know your personal circumstances when providing this information and it does not constitute, nor should it be treated as personal, legal, business, tax, financial or other advice of any type or nature.

You need to make your own enquiries and analysis to determine if any of the information is suitable for your own particular purposes and suitable for your situation and requirements.

We do not promise, warrant or guarantee any particular results from any of our Courses, Content or information.

Results vary from individual to individual and the performance, progress and success of any Course will depend on your own situation, participation and factors beyond our control.

The Content presented in our Courses is obtained from sources believed to be reliable and is given in good faith but its accuracy and completeness are not warranted, nor do we accept responsibility arising in any way from the data or information, including but not limited to negligence, errors or omissions.

ARTIFICIAL INTELLIGENCE

The Course may include educational demonstrations, exercises or guidance relating to artificial intelligence (‘AI’) tools. AI-generated outputs may contain errors, inaccuracies or incomplete information and should not be relied upon without independent review and verification.

You are responsible for ensuring that your use of any third-party AI tool complies with your employer’s policies, confidentiality obligations, intellectual property requirements and the terms applicable to that tool. You must not upload confidential, proprietary, commercially sensitive or personal information to an AI platform unless you are authorised to do so.

We are not responsible for the availability, operation, outputs, security or privacy practices of third-party AI tools referred to or demonstrated in the Course.

LIABILITY

You agree and acknowledge that we are not liable for any direct, indirect, consequential or incidental loss or damage which may result from you accessing our Courses and Content or any information contained on our website or linked from it.

You agree that any actions you may take or decisions you may make based on information in our Courses or on our website are made at your own risk and we cannot be held liable for any results or outcomes.

Your use of the information in our Courses is entirely at your own risk and any reliance on the information should be your own decision or done with the help of a professional advisor.

For the sake of clarity, in no event will we be liable for any direct, indirect, consequential, incidental or special damages of any kind including any damages for loss or injury.

We will not be held liable for any issues related to internet connectivity or technical difficulties experienced by you while accessing the Courses or Content.

Certain legislation, including the Australian Consumer Law (‘ACL’) in the Consumer and Competition Act 2010 (Cth) and similar consumer protection laws and regulations, may confer you with rights, warranties, guarantees and remedies relating to the provision of services by us to you which cannot be excluded, restricted or modified (‘Statutory Rights’).

Our liability is governed solely by the ACL and these Terms. We exclude all conditions and warranties implied by custom, law or statute except for your Statutory Rights.

REFUNDS AND CANCELLATION

Courses with one-time payments

We want you to have the opportunity to genuinely experience the Course through Module 1. You may request a refund under the Luxe Insights Academy™ Module 1 Guarantee within 7 days of first accessing Module 1, provided that you have completed Module 1 within that 7-day period and have not accessed Module 2 or any subsequent Course Content.

For the purposes of the Luxe Insights Academy™ Module 1 Guarantee, completion of Module 1 requires you to:

• watch and complete all Module 1 videos;

• download all Module 1 worksheets, references and tools;

• complete all required Module 1 exercises;

• complete the LCIQ Strategic Capability Profile assessment; and

• complete the Stakeholder Perspective exercise.

The Luxe Insights Academy™ Module 1 Guarantee is designed for participants who genuinely engage with and complete Module 1 but find that the Course is materially different from what they reasonably expected based on the Course information provided before enrolment. It is not a general change-of-mind guarantee.

Refund requests must be made in writing to hello@luxeconsumeriq.com within the 7-day period, stating the reason for your request.

If you access Module 2 or any subsequent Course Content, you will no longer be eligible for a refund under the Luxe Insights Academy™ Module 1 Guarantee, even if the 7-day period has not yet expired.

An approved refund under the Luxe Insights Academy™ Module 1 Guarantee is subject to an AUD $250 administration and Course Materials fee (approximately USD $175; the AUD amount governs), reflecting the onboarding, digital Course Materials, tools and resources already made available to you and the administration associated with your enrolment and refund.

Approved refunds will be processed within 10 business days and returned using the original payment method, less the applicable administration and Course Materials fee.

A change in your personal circumstances, workload, availability or priorities, including being too busy to participate in or complete the Course, does not by itself qualify you for a refund under the Luxe Insights Academy™ Module 1 Guarantee.

Where circumstances prevent you from participating with your original cohort, you will continue to have access to the Course for the applicable 12-month Course access period. We may also, at our discretion and subject to availability, permit you to participate in relevant live sessions with a later cohort. Any such transfer or accommodation does not extend the original 12-month Course access period unless we expressly agree otherwise in writing.

Nothing in this Refund Policy excludes, restricts or modifies any rights or remedies available to you under the Australian Consumer Law or other applicable consumer protection laws.

We reserve the right to deny any refund request that does not meet the above conditions, is deemed to be fraudulent or if you have violated these Terms.

We reserve the right to change or update our Courses, Content, pricing and refund policy at any time and without notice.

EU AND UK STATUTORY WITHDRAWAL RIGHTS

If you are a consumer located in the European Union, European Economic Area or United Kingdom, applicable consumer law may provide you with a statutory right to withdraw from an eligible distance contract within 14 days of entering into the contract, without giving a reason, subject to applicable exceptions and requirements.

Where you request or consent to receiving digital Content during the statutory withdrawal period, you may be required to provide your prior express consent to the supply of that digital Content and to acknowledge that, once supply of the digital Content begins, you may lose your statutory right of withdrawal in accordance with applicable law.

Where required by applicable law, your consent and acknowledgement will be obtained as part of the enrolment or checkout process and confirmed to you.

Any statutory withdrawal rights available to you under applicable law are separate from the voluntary Luxe Insights Academy™ Module 1 Guarantee described above.

Once any applicable statutory withdrawal period has expired, any later request made under the voluntary Luxe Insights Academy™ Module 1 Guarantee is subject to the eligibility requirements and AUD $250 administration and Course Materials fee described above, except to the extent that applicable law provides otherwise.

Nothing in these Terms is intended to exclude, restrict or modify any mandatory consumer right that cannot lawfully be excluded, restricted or modified.

COURSE ACCESS

Unless otherwise stated at the time of purchase, your enrolment provides access to the Course Content for 12 months from the date the Course is first made available to you.

Live sessions and other cohort-based activities will take place at scheduled times. Where available, recordings may be provided to enrolled participants. Inability to attend a live session does not entitle a participant to an extension or refund.

Live sessions may be recorded and made available to participants enrolled in the same Course cohort. If you participate in a recorded live session using your camera, microphone or chat, your image, voice, name and/or chat contributions may appear in the recording. Recordings containing participant contributions will be made available only to participants in that cohort and will not be used by us for marketing, promotional purposes or inclusion in other Courses or cohorts without your separate consent.

GOVERNING LAW

These Terms are governed by the laws from time to time in force in NSW of Australia.

Both parties agree to unconditionally submit to the exclusive jurisdiction of the Courts of NSW for determining any dispute concerning these Terms.