Service Terms – Financial Literacy Australia

Legal entity: Financial Literacy Australia - ABN: 87 671 583 387
("Financial Literacy Australia", "we", "us", or "our").

Tagline & Explanatory Footnotes
Supporting NDIS participants to reach their goals*^
* Some of our services may be claimable through your NDIS plan, depending on your circumstances.
^ Individual results will vary depending on personal circumstances, commitment, and other factors, and so cannot be guaranteed. See Sections 3 and 10 for more.

We are not affiliated with or endorsed by the National Disability Insurance Scheme (NDIS).

1. Scope and Acceptance

These Terms govern access to and use of our NDIS‑related financial literacy education services (the Services). By engaging, accessing content, or requesting an invoice, you agree to these Terms and our Privacy Policy.

If you are acting on behalf of a participant, you represent and warrant that you are authorised to bind the participant to these Terms.

2. Nature of Services – Educational Only (No Personal Advice)

All content is educational and general in nature. It is not personal, professional, financial, tax, legal, medical, psychological, or therapeutic advice. We do not assess your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness and seek advice from a qualified, independent professional (e.g., a licensed financial adviser, registered tax agent, lawyer, or health professional) relevant to your circumstances and goals.

We do not provide clinical, medical, psychological, or financial products or legal services and do not hold ourselves out as doing so. You, your Support Coordinator, Plan Manager, or other professionals remain responsible for determining whether our educational Services align with your plan goals and supports.

3. NDIS Funding & Claims (Elaboration of “claimable” statement *)

  • Registration status. Financial Literacy Australia is not a registered NDIS provider. We work with self‑managed and plan‑managed participants in line with NDIS rules.

  • Claimability. Whether a Service can be claimed from your plan depends on your individual plan goals, budget allocations (e.g., Core or Capacity Building), plan rules, and approvals from your Plan Manager (if applicable). We can issue invoices with reasonable descriptions and line items, but we do not guarantee that any particular Service will be funded or reimbursed.

  • Your responsibilities. You (and/or your Plan Manager) are responsible for confirming that a proposed Service fits your plan goals and budget before purchase, and for submitting and managing any claim. You must promptly tell us if your plan or funding changes.

  • Pricing arrangements. Our billing aligns with the relevant NDIS Pricing Arrangements and Price Limits terminology where applicable. Where a cap applies, we invoice at or below the applicable cap for eligible supports unless otherwise agreed in writing.

  • No NDIA/NDIS endorsement. We are not affiliated with or endorsed by the NDIA/NDIS. Funding decisions are made for each participant under their plan and may change over time.

  • Non‑face‑to‑face services. Where permitted, we may include reasonable non‑face‑to‑face time (e.g., App Access) when it is integral to delivering the educational program and recorded consistently with the Pricing Arrangements.

  • If a claim is declined. If any part of a Service cannot be paid from plan funds (e.g., funding exhausted, item ineligible, or claim rejected), you agree to pay from personal funds by the invoice due date.

We aim to align our Services with the NDIS Transitional Rules, clarifying training and development activities that build independent living skills (e.g., managing finances). Claim outcomes are case‑by‑case and not guaranteed.

4. Participants, Bookings & Delivery

  • Eligibility. Participants must have an active NDIS plan and the capacity (with supports as required) to engage with educational content.

  • Delivery mode. Programs are delivered online (e.g., via EdApp or similar learning platforms), live webinars, and/or downloadable materials. Specific delivery details are outlined at enrolment.

  • Educational Assistance (boundaries). Educational Assistance is limited to: (a) discussing course content; (b) answering questions to support learning; (c) guiding access to community resources; and (d) providing neutral templates (e.g., to help the participant record their own goals). It does not include life/wellness coaching, personalised goal‑setting, prescribing action plans, motivational/accountability coaching, or personal/clinical advice.

  • Choice and control. Participants have full choice and control and may engage our Services independently where funding is available.

5. Service Agreements & Pricing

  • Service agreement. A service agreement (or enrolment confirmation) will outline applicable inclusions, schedule, fees, and any supplementary terms.

  • Pricing. Fees are stated in the service agreement or at the point of enrolment and are expressed in AUD inclusive of GST as indicated.

  • Changes. We may update pricing for new enrolments or renewals. Any change will not affect a signed service agreement already in effect unless mutually agreed.

6. Invoicing & Payment

  • Invoicing. We typically invoice in line with the relevant support category (e.g., Core or Capacity Building) where appropriate.

  • Payment terms. Payment is due by the due date shown on the invoice. For plan‑managed participants, payment is typically made by the Plan Manager. For self‑managed participants, you remain responsible for payment.

  • If a claim is declined. If a claim is rejected, ineligible, or funding is exhausted, the participant (or their representative) must pay from personal funds by the due date.

  • Non‑claimable business overheads. Internal administration (e.g., general record‑keeping/case notes not intrinsic to an eligible support) is treated as business overhead and not claimed as an NDIS support.

  • Travel. Travel (time and non‑labour costs) will only be charged where permitted under the Pricing Arrangements.

7. Cancellations, Transfers & Refunds

  • Cancellations. Cancellations within 7 days of a scheduled session may be charged in line with the NDIS Pricing Arrangements and Price Limits (where applicable) or as otherwise specified in your service agreement.

  • Rescheduling/Transfers. Where possible, we will offer rescheduling or transfer to a later cohort/session.

  • Change of plan/funding. If your funding changes or is exhausted, standard cancellation and payment terms still apply unless we agree otherwise in writing.

  • Australian Consumer Law (ACL). Your ACL rights (see Section 12) apply in addition to any policy above.

8. Participant Rights & Safety

We comply with the NDIS Code of Conduct and uphold participants’ rights to dignity, privacy, and choice. We aim to provide accessible learning and reasonable adjustments where practicable. You must tell us about any accessibility needs in advance so we can plan support.

9. Participant Responsibilities

To support positive outcomes, you agree to:
(a) engage with the content and complete activities as suggested;
(b) provide accurate information relevant to your goals;
(c) use our materials only for personal learning within your plan goals; and
(d) ensure a safe and respectful learning environment for yourself and others.

10. Outcomes, Progress & No Guarantees (Elaboration of “results will vary” statement ^)

Educational results depend on personal circumstances, engagement, prior knowledge, and external factors (e.g., support network, commitments, motivation). While we provide structured content and guidance, we do not guarantee any particular outcome (including employment, income, savings, debt reduction, credit outcomes, or goal attainment). We may offer tools to help you track progress, but results will vary between participants.

11. Feedback & Complaints

We welcome feedback and are committed to responding promptly, fairly, and respectfully. To provide feedback or make a complaint:

  • Email: mentors@flaus.com.au

  • Phone: 1800 FLAUS 1
    If you are not satisfied with our response, you may contact the NDIS Quality and Safeguards Commission at www.ndiscommission.gov.au.

12. Australian Consumer Law (ACL)

We comply with the Australian Consumer Law in the Competition and Consumer Act 2010 (Cth). You are entitled to:

  • services provided with due care and skill;

  • services that are fit for purpose; and

  • remedies if services fail to meet these guarantees.
    Nothing in these Terms excludes or restricts any consumer guarantees, rights, or remedies under the ACL or other applicable laws.

13. Intellectual Property

All materials we provide—such as digital lessons, worksheets, app content, logos, branding, videos, and written resources—are our intellectual property and may be protected by copyright, trademark, and other laws.

We grant you (and your support workers) a personal, non‑exclusive, non‑transferable licence to use the materials solely for completing the enrolled program(s). Reproduction, distribution, public display, commercial use, or adaptation is not permitted without prior written consent. Unauthorised use may result in legal action.

14. Privacy & Data

We handle personal information in accordance with our Privacy Policy. By using the Services, you consent to the collection and handling of your personal information for enrolment, delivery, support, administration, and compliance purposes. Where we use third‑party platforms (e.g., EdApp), your information may be processed by those providers in accordance with their terms and privacy policies.

15. Limitation of Liability

To the maximum extent permitted by law and subject to the ACL, we exclude liability for indirect or consequential loss, lost opportunity, or loss of data. Where liability cannot be excluded, our liability is limited to re‑supplying the Services or paying the cost of having them re‑supplied, at our election.

16. Changes to Services or Terms

We may update content, features, or these Terms from time to time. The version posted on our website at the time of enrolment or renewal applies to your engagement, unless otherwise agreed. Material changes will be highlighted or notified where appropriate.

17. Governing Law

These Terms are governed by the laws of the State/Territory in Australia where the Services are supplied or, if supplied online, the laws of Victoria. The parties submit to the non‑exclusive jurisdiction of the courts of that place.

18. Contact

Financial Literacy Australia
Email: mentors@flaus.com.au
Website: flaus.com.au
Telephone: 1800 FLAUS 1