The Terms of Service, together with our Privacy Policy, Refund Policy and Disclaimer form an agreement between you and Annette Loughlin-Smith and affiliated servicer providers. We hope you will approach us directly via email in relation to any disputes and that we can work them out between us without recourse to legal dispute.

Your acceptance of this policy means that any disputes will be dealt with first by mediation and/or arbitration, subject to the laws of New South Wales, Australia.

These Terms of Service (“Terms”) govern your use of this website and any related websites, landing pages, courses, digital products, services, and content operated by Annette Loughlin-Smith (“we”, “us”, or “our”).

By using this website, you agree to these Terms. If you do not agree, please do not use the website.

Website Use

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the website.

We may update, change, suspend, or discontinue any part of the website at any time without notice.

Information Disclaimer

All content provided on this website is for general informational and educational purposes only.

It does not constitute professional, medical, legal, or financial advice.
Any reliance you place on the information is at your own risk.

You are responsible for evaluating whether any information, course, or service is appropriate for your circumstances.

Intellectual Property

All content on this website — including text, images, designs, courses, materials, branding, and digital products — is owned by Annette Loughlin-Smith unless otherwise stated.

You may not copy, reproduce, distribute, modify, or commercially use our content without written permission.

Purchases & Digital Products

Payments are processed securely through third-party payment providers such as Stripe and PayPal.

By purchasing a product or service, you agree to any additional terms provided at the time of purchase (including refund terms).

We reserve the right to refuse or cancel orders where necessary.

Advertising, Tracking & Analytics

This website may use cookies, pixels, and similar technologies to:

• Understand website usage

• Improve performance

• Measure marketing effectiveness

• Support advertising campaigns

• Run remarketing campaigns through platforms such as Google and Meta

These technologies may collect information such as device type, IP address, pages visited, and interaction data.

Some data may be shared with third-party service providers for analytics and advertising purposes.

By using this website, you consent to the use of cookies and tracking technologies in accordance with our Privacy Policy.

You may manage cookies through your browser settings.

International Visitors

This website is operated from Australia and is governed by the laws of New South Wales, Australia.

If you access the website from outside Australia, you are responsible for complying with your local laws.

We make no representation that the website complies with laws outside Australia.

Limitation of Liability

To the maximum extent permitted by law, we are not liable for any loss, damage, or claim arising from:

• Your use of this website

• Your reliance on any information provided

• Technical interruptions

• Third-party websites or services

Nothing in these Terms excludes rights you may have under the Australian Consumer Law that cannot legally be excluded.

Third-Party Links

This website may contain links to third-party websites.

We are not responsible for the content, policies, or practices of third-party sites.

Changes to These Terms

We may update these Terms at any time.

The latest version will always be available on this website.

Your continued use of the website means you accept any updated Terms.

10. Governing Law

These Terms are governed by the laws of New South Wales, Australia.

Any disputes will be subject to the jurisdiction of the courts of New South Wales.

Please see our Privacy Policy, Refund Policy and Disclaimer for other terms and conditions.

Annette Loughlin-Smith
Email