Terms of Use

Last updated: 30 July 2026

1. Acceptance of these terms

These Terms of Use govern your access to and use of the Skipper Money website and the coaching services offered by Skipper Money Pty Ltd (ABN [INSERT ABN], "Skipper Money", "we", "us", "our"). By using our website or participating in our coaching program, you agree to these terms. If you don't agree, please don't use our website or services.

2. About Skipper Money

Skipper Money provides independent financial education and one-on-one coaching to employees, offered as a workplace benefit through participating employers. Employees access the program using a sign-up code provided by their employer.

3. Not financial product advice

This is the most important section of these terms. Please read it carefully.

In addition:

• We do not sell financial products, and we do not receive commissions, kickbacks, or referral fees of any kind in connection with any decision you make.
• Nothing we provide — on our website, in our guide, or in a coaching session — constitutes personal financial product advice, legal advice, or tax advice.
• We do not connect, refer, or introduce you to any licensed financial adviser, broker, or product provider. If your circumstances call for licensed advice, that's a decision and a relationship entirely of your own choosing — we'll help you understand when that's worth considering, but we don't arrange it for you.
• Coaching sessions are educational in nature. Any decisions you make based on information or discussions with a Skipper coach are your own responsibility.

4. Eligibility

To use our coaching services, you must be at least 18 years old and either be an employee of an organisation participating in the Skipper Money program with a valid sign-up code issued by that employer, or be engaging with us as an employer seeking to sponsor the program for your team. We may decline or discontinue access where these conditions aren't met, or where a sign-up code has been misused.

5. The nature of coaching sessions

Coaching sessions are general and educational. We aim to help you understand your financial situation, explain relevant concepts in plain English, and help you feel clearer and more confident about your own decisions. We do not guarantee any particular financial outcome, and nothing discussed in a session should be treated as a personal recommendation tailored to your specific circumstances in the way a licensed adviser's advice would be.

6. Confidentiality

What you discuss with your Skipper coach is between you and your coach. If your employer sponsors your participation, we will confirm to them that you have engaged with the program, but we do not share the content of your sessions, session notes, or any personal financial information with your employer.

The only exceptions are where we are required to disclose information by law, or where we reasonably believe disclosure is necessary to prevent a serious and imminent risk to the life, health, or safety of you or another person. In those limited circumstances, our overriding duty is to safety, not confidentiality — but this does not extend to routine disclosure to your employer.

7. Your obligations

When using our website or services, you agree to provide accurate and truthful information; use your sign-up code only as intended, and not share it with anyone outside your employer's eligible workforce; and use our website and services lawfully. We may suspend or end your access if you breach these obligations.

8. Employers

Where an employer engages Skipper Money to sponsor the program for its workforce, the commercial terms of that arrangement are set out in a separate agreement between Skipper Money and the employer. These Terms of Use govern use of the public website and the coaching relationship between Skipper Money and individual employees, and don't replace or override any separate commercial agreement.

9. Intellectual property

All content on our website — including text, graphics, illustrations, our logo, and the Financial Wellbeing guide — is owned by or licensed to Skipper Money and is protected by copyright and other intellectual property laws. You may view and download this content for your own personal, non-commercial use, but you may not reproduce, distribute, or create derivative works from it without our prior written permission.

10. Third-party services and links

Our website and coaching process may involve or link to third-party services, such as a session-scheduling tool. We are not responsible for the content, accuracy, or practices of third-party services, and your use of them may be subject to their own terms and privacy policies.

11. No warranties

Our website and the general information we provide are made available on an "as is" basis. To the maximum extent permitted by law, we make no warranty that the information on our website is complete, accurate, or suitable for your particular circumstances. Nothing in this section limits any consumer guarantee under the Australian Consumer Law that cannot lawfully be excluded, restricted, or modified.

12. Limitation of liability

To the maximum extent permitted by law, Skipper Money is not liable for any loss or damage arising from your use of our website or services, including any decision made in reliance on general information provided by us. This limitation does not apply to the extent it would be inconsistent with the Australian Consumer Law or other applicable law that cannot be excluded.

13. Indemnity

You agree to indemnify Skipper Money against any loss, damage, or claim arising from your breach of these terms or your misuse of our website or services, except to the extent caused by our own negligence or wrongdoing.

14. Suspension and termination

We may suspend or terminate your access to our website or coaching services at any time, including where we reasonably believe these terms have been breached, or where your employer's sponsorship of the program ends.

15. Privacy

Our Privacy Policy explains how we collect, use, and protect personal information, and forms part of these terms.

16. Governing law

These terms are governed by the laws of Queensland, Australia, and you submit to the non-exclusive jurisdiction of the courts of Queensland.

17. Disputes

If a dispute arises, please contact us first at hello@skippermoney.com.au so we can try to resolve it directly before pursuing any other avenue.

18. Changes to these terms

We may update these terms from time to time. The current version will always be available on our website, with the "last updated" date shown above. Continued use of our website or services after an update means you accept the revised terms.

19. Contact us

Skipper Money Pty Ltd
[Registered address to be inserted]
Email: hello@skippermoney.com.au