Legal
Terms & Conditions
1. About these terms
These Terms & Conditions govern your use of the Nexa Consulting website (nexaconsultingsolutions.au) and any coaching, education, or related services you engage from Nexa Consulting Pty Ltd (“Nexa”, “we”, “us”, “our”).
By using this site or engaging Nexa's services, you accept these terms. If you don't accept them, don't use the site or the services.
2. What Nexa does and what Nexa does not do
Nexa provides financial education, mentoring and coaching only.
Nexa does not:
- Hold an Australian Financial Services Licence (AFSL).
- Provide personal financial product advice.
- Provide investment, tax, or credit advice.
- Act as a financial adviser, accountant, mortgage broker, or licensed product provider.
- Recommend, implement, or sell financial products.
Where you need licensed advice, Nexa will name a referral partner and disclose any arrangement publicly. You are free to choose any other licensed professional you prefer.
3. General advice disclaimer
Any information shared on this website, in coaching sessions, in emails, in challenge content, or in any other Nexa material is general in nature. It does not take into account your personal objectives, financial situation, or needs.
Before making any financial decision, you should consider whether the information is appropriate for you, and you should seek advice from a licensed professional.
4. No commissions, no kickbacks (explicit disclosure)
Nexa Consulting Pty Ltd does not receive commissions, kickbacks, referral fees, soft-dollar benefits, or any other form of remuneration from any product provider, platform, lender, broker, fund manager, super fund, insurance company, or any other third party in connection with services delivered to you.
The only fee Nexa receives is the fee you pay directly to Nexa, as published on the Services page or agreed in writing before engagement.
If this position ever changes (for example, through a future referral arrangement) that change will be disclosed in writing on this website and to all existing clients before it takes effect.
5. Fees, payment, and refunds
Fees. All fees are published on the Services page or agreed in writing before any engagement begins. Fees are quoted in Australian dollars and include GST unless stated otherwise.
Payment. Payment is due as per the schedule set out in your written engagement letter. Failure to pay may result in suspension of services.
Refunds.If you are not satisfied with the first coaching call, a full refund of fees paid for that engagement is available within 7 days of the first call, on written request. Outside that window, refunds are at Nexa's discretion and assessed in good faith.
Cancellation.You may cancel an ongoing engagement at any time with 14 days' written notice. Fees paid for the current billing period are not refundable on cancellation, but no further fees will be charged after the notice period.
6. Your responsibilities
You agree to:
- Provide accurate, complete, and up-to-date information about your financial situation when requested.
- Make your own decisions about your finances, with appropriate professional advice where needed.
- Not rely on Nexa's coaching as a substitute for licensed financial, tax, or legal advice.
- Treat coaching materials, frameworks, and written notes as confidential and for your own use only.
- Comply with all applicable Australian laws when acting on any information you receive.
Nexa is not liable for decisions you make, or for outcomes that result from those decisions.
7. Intellectual property
All content on this website, including The Numbers-First Method™, written frameworks, challenge emails, articles, diagrams, and coaching notes, is owned by Nexa Consulting Pty Ltd or licensed to it.
You may not copy, redistribute, republish, or use any of this content for commercial purposes without prior written permission. You may share short excerpts with attribution to “Nexa Consulting” and a link to the source.
The marks Nexa Consulting, The Numbers-First Method™, and any associated logos are trademarks of Nexa Consulting Pty Ltd.
8. Testimonials and case studies
Testimonials published on this website are from real people who have engaged Nexa's services. Identifying details (surnames, suburbs, occupations) are used with written permission. Outcome figures referenced in testimonials reflect the individual's specific situation and are not representative of typical outcomes. Your results will differ.
Past results, whether testimonial or cohort, are not a guarantee of future results.
9. Limitation of liability
To the maximum extent permitted by Australian law:
- Nexa's total liability to you arising out of or in connection with these terms, the services, or this website is limited to the fees you have paid Nexa in the 12 months preceding the claim.
- Nexa is not liable for any indirect, consequential, special, or incidental loss, including loss of profits, investment losses, tax penalties, or opportunity cost.
- Nothing in these terms excludes any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.
10. Website use
You agree not to:
- Use the website in any way that breaches Australian law.
- Attempt to gain unauthorised access to the website, its servers, or any related systems.
- Scrape, mirror, or republish website content without permission.
- Use the website to transmit malware, spam, or any harmful content.
Nexa may suspend or terminate your access to the website at any time, without notice, if you breach these terms.
11. Third-party links
The website may link to third-party sites. Those links are provided for convenience only. Nexa does not control, endorse, or accept responsibility for any content, product, or service provided by a third party.
11A. Indemnity
You agree to indemnify and hold harmless Nexa Consulting Pty Ltd, its directors, officers, employees, contractors and agents from and against any claim, loss, damage, cost or expense (including reasonable legal costs) arising out of or in connection with:
- your breach of these terms;
- your use of the website or the coaching services in a way not authorised by these terms;
- any decision you make in reliance on Nexa's general educational content without first obtaining licensed advice; or
- your provision of information to Nexa that is materially inaccurate, incomplete or misleading.
This indemnity does not apply to the extent the relevant claim, loss, damage, cost or expense was caused by Nexa's negligence, wilful default or breach of these terms.
12. Privacy
Your personal information is handled in accordance with the Nexa Privacy Policy, which forms part of these terms.
13. Changes to these terms
Nexa may update these terms from time to time. The current version is always published at nexaconsultingsolutions.au/terms-conditions/. Material changes will be communicated to active clients in writing.
Continued use of the website or services after a change takes effect constitutes acceptance of the updated terms.
14. Governing law
These terms are governed by the laws of New South Wales, Australia. You and Nexa submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts competent to hear appeals from them.
15. Contact
Questions about these terms, or anything in them, go to:
Nexa Consulting Pty Ltdhello@nexaconsultingsolutions.au