In these Terms & Conditions, the following definitions apply unless the context requires otherwise:

• "V-Suite HQ", "we", "us", or "our" refers to V-Suite HQ, its owner(s), operators, affiliates, and authorised representatives.

• "You", "your", or "user" refers to the individual accessing or using our website, products, services, or digital resources.

• "Services" means all products, courses, programs, coaching services, digital downloads, ebooks, tools, AI-powered features (including Valerie AI), membership content, and any other offerings provided by V-Suite HQ, whether free or paid.

• "Platform" means the V-Suite HQ website, course platform (including any hosted on LearnWorlds or equivalent), mobile applications, and any associated digital properties.

• "Content" means all text, images, graphics, audio, video, software, data compilations, page layout, underlying code, and any other form of information or material displayed on or delivered through our Platform and Services.

2. Acceptance of Terms

By accessing or using our Platform or Services, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions, together with our Privacy Policy. These Terms constitute a legally binding agreement between you and V-Suite HQ.

We reserve the right to modify these Terms at any time. Changes become effective upon posting to our Platform. Your continued use of our Services after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

You must be at least 18 years of age to use our Services. By using our Platform, you represent and warrant that you meet this age requirement and have the legal capacity to enter into a binding agreement.

4. Accounts & Registration

Certain Services may require you to create an account. When registering, you agree to:

• Provide accurate, current, and complete information during registration.

• Maintain and promptly update your account information to keep it accurate and complete.

• Maintain the security and confidentiality of your login credentials.

• Accept responsibility for all activities that occur under your account.

• Notify us immediately of any unauthorised use of your account.

We reserve the right to suspend or terminate accounts that are inactive, in breach of these Terms, or created using false or misleading information.

5.1 Course Content & Digital Products

V-Suite HQ offers self-discovery programs, courses, ebooks, digital tools, and coaching resources designed to support women in understanding themselves better for improved decision-making in areas of life and work. All course content, frameworks, and methodologies are provided for educational and personal development purposes.

5.2 AI-Powered Features

Certain Services may include AI-powered features, including but not limited to Valerie AI. These features are provided as thinking-partner tools to support your self-discovery journey. You acknowledge and agree that:

• AI-generated content is for informational and reflective purposes only and does not constitute professional advice (including psychological, medical, legal, or financial advice).

• AI outputs may not always be accurate, complete, or applicable to your specific circumstances.

• You should exercise your own judgment when acting on any AI-generated suggestions or insights.

• We are not liable for any decisions you make based on AI-generated content.

5.3 Availability

We strive to maintain continuous availability of our Platform and Services. However, we do not guarantee uninterrupted access and may temporarily suspend access for maintenance, updates, or circumstances beyond our reasonable control.

6. Fees, Payment & Billing

Where Services are offered on a paid basis:

• All prices are displayed in the applicable currency and are inclusive of GST where required by Australian law.

• Payment must be made in full at the time of purchase unless an instalment plan is expressly offered and agreed upon.

• We use third-party payment processors (such as Stripe, PayPal, or equivalent). Your payment information is subject to their terms and security practices.

• You are responsible for any taxes, duties, or charges imposed by your jurisdiction in addition to the listed price.

We reserve the right to change pricing at any time. Price changes will not affect purchases already completed.

7. Refund Policy

Due to the digital nature of our products and the immediate access granted upon purchase, our refund policy is as follows:

• Digital Downloads & Ebooks: No refunds are available once the digital product has been accessed or downloaded, in accordance with the Australian Consumer Law exceptions for digital products.

• Online Courses & Programs: Refund requests may be submitted within 14 days of purchase, provided that no more than 25% of the course content has been accessed. Refund requests must be submitted in writing to our support email - nicole@vsuitehq.co.

• Coaching & Consulting Services: Cancellations must be made at least 48 hours before a scheduled session. Failure to attend a scheduled session without prior notice constitutes a forfeited session.

Nothing in this refund policy excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted, or modified by agreement.

8. Intellectual Property

All Content on our Platform and within our Services — including but not limited to text, graphics, logos, icons, images, audio clips, video, course materials, frameworks, methodologies, AI prompts, and software — is the property of V-Suite HQ or its licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use our Content solely for your personal, non-commercial purposes in connection with the Services you have purchased or been granted access to.

You must not:

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any Content, except as expressly permitted.

• Share, resell, or redistribute course access, login credentials, or digital products.

• Use any Content for commercial purposes without our prior written consent.

• Remove any copyright or proprietary notices from our Content.

• Attempt to reverse engineer, decompile, or extract source code from any AI tools or software.

9. User Conduct

When using our Platform and Services, you agree not to:

• Use our Services for any unlawful purpose or in violation of any applicable laws or regulations.

• Harass, abuse, intimidate, or threaten other users or our team.

• Post or share content that is defamatory, obscene, hateful, discriminatory, or otherwise objectionable.

• Attempt to gain unauthorised access to any part of our Platform, other accounts, or computer systems.

• Introduce viruses, malware, or other harmful code to our Platform.

• Scrape, data mine, or use automated means to access our Platform or Content without permission.

• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

We reserve the right to remove content, suspend access, or terminate accounts of users who violate these conduct standards, at our sole discretion and without prior notice.

10. User-Generated Content

Where our Platform permits you to submit or share content (such as community posts, testimonials, or coaching reflections):

• You retain ownership of your content but grant V-Suite HQ a worldwide, non-exclusive, royalty-free, perpetual licence to use, reproduce, modify, and display such content in connection with our Services and marketing, unless you request removal.

• You represent that your content does not infringe any third party’s intellectual property or other rights.

• We may moderate, edit, or remove user-generated content at our discretion.

11. Privacy & Data Protection

Your use of our Services is also governed by our Privacy Policy, which sets out how we collect, use, store, and protect your personal information in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our Services, you consent to the collection and use of your personal information as described in our Privacy Policy. Where our Services use AI features, we take reasonable steps to protect the data you input, but you should not share highly sensitive personal information (such as medical records, financial account details, or government identifiers) through AI-powered tools.

12. Third-Party Services & Links

Our Platform may contain links to, or integrations with, third-party websites, services, or tools (including payment processors, course hosting platforms, and AI service providers). These third-party services are governed by their own terms and privacy policies. V-Suite HQ is not responsible for the content, practices, or availability of any third-party services.

13. Disclaimers

General Educational Purpose: Our Services are provided for educational, personal development, and informational purposes only. Nothing provided through V-Suite HQ constitutes professional psychological, medical, legal, financial, or therapeutic advice. If you require professional assistance in any of these areas, you should consult a qualified professional.

No Guarantees of Results: While our programs are designed with evidence-informed frameworks and genuine care, we do not guarantee any specific outcomes, results, or transformations. Individual results vary based on personal effort, circumstances, and application of the material.

"As Is" Provision: To the maximum extent permitted by law, our Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

14. Limitation of Liability

To the maximum extent permitted by applicable law, including the Australian Consumer Law:

• V-Suite HQ, its owner(s), employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or inability to use) our Services.

• Our total aggregate liability for any claims arising from or related to these Terms or our Services shall not exceed the total amount you paid to V-Suite HQ in the 12 months preceding the claim.

• We are not liable for any loss or damage arising from your reliance on Content, AI-generated outputs, or any information provided through our Services.

Nothing in these Terms excludes, restricts, or modifies any guarantee, condition, warranty, right, or remedy implied or imposed by the Australian Consumer Law or any other applicable law that cannot be lawfully excluded or limited.

15. Indemnification

You agree to indemnify, defend, and hold harmless V-Suite HQ, its owner(s), employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of our Services.

• Your breach of these Terms.

• Your violation of any third party’s rights.

• Any content you submit or share through our Platform.

16. Termination

We may suspend or terminate your access to our Services at any time, with or without cause and with or without notice, including if we reasonably believe you have violated these Terms. Upon termination:

• Your right to access and use the Services will immediately cease.

• We are not obligated to provide refunds for any unused portion of paid Services, except where required by applicable law.

• Provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) will continue to apply.

17. Dispute Resolution

If a dispute arises in connection with these Terms or our Services, you agree to the following process:

• Good Faith Negotiation: The parties will first attempt to resolve the dispute through informal, good faith negotiation for a period of at least 30 days from written notice of the dispute.

• Mediation: If negotiation is unsuccessful, the parties agree to submit the dispute to mediation administered by an accredited mediator agreed upon by both parties, before commencing any legal proceedings.

• Governing Law & Jurisdiction: These Terms are governed by the laws of the State of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts that may hear appeals from those courts.

18. Force Majeure

V-Suite HQ will not be liable for any failure or delay in performing obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, internet or telecommunications failures, cyberattacks, or acts of war or terrorism.

19. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision will be severed from these Terms, and the remaining provisions will continue in full force and effect.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and V-Suite HQ in relation to your use of our Services. They supersede all prior agreements, representations, and understandings, whether written or oral.

21. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. V-Suite HQ may assign its rights and obligations under these Terms at any time without notice.

22. Waiver

A failure by V-Suite HQ to exercise or enforce any right or provision under these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by V-Suite HQ.

23. Contact Us

If you have any questions about these Terms & Conditions, please contact us at:

V-Suite HQ

Email: nicole@vsuitehq.co

Website: vsuitehq.co

By using V-Suite HQ, you acknowledge that you have read, understood, and agree to these Terms & Conditions.