Effective date: 4th November 2025
Provider: Jenbury Financial Pty Ltd (“we”, “us”, “our”)
Jurisdiction: Victoria, Australia

1. Purpose

This policy outlines the terms under which participants (“you”, “your”) may cancel, transfer, or request a refund for enrolment in the Mastering Financial Foundations online course (“the Course”). We comply with the Australian Consumer Law (ACL) as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth) and with the laws of the State of Victoria. Your statutory rights under the ACL cannot be excluded or limited by this policy.

2. 7-Day Cooling-Off Period

2.1 You are entitled to a 7-day cooling-off period starting from the date your enrolment confirmation email is sent.
2.2 If you cancel your enrolment in writing within this 7-day period, you will receive a full refund of all fees paid, provided you have not accessed or downloaded any course materials or attended any live session.
2.3 If you have already accessed course materials or attended a session during this period, we may deduct a reasonable portion of the course fee reflecting the value of what has been received.

3. Cancellation by You (After the Cooling-Off Period)

3.1 After the 7-day cooling-off period, cancellations for change of mind or personal circumstances are not eligible for a refund once you have been granted access to the Course or attended a live session.
3.2 If you need to withdraw due to exceptional circumstances (e.g. illness, hardship), you may submit a written request for review. Supporting evidence may be required. We may, at our discretion, offer a partial refund, credit, or transfer to a future intake.
3.3 Requests must be made in writing to admin@jenbury.com.au and will be reviewed within 10 business days.

4. Transfer to a Future Intake

4.1 You may request to transfer your enrolment to the next available intake, provided:
- You have not completed more than 25% of the Course, and
- The request is received at least 7 days before the next intake commences.

5. Cancellation or Changes by Us

5.1 We reserve the right to cancel or postpone the Course in the event of insufficient enrolments, technical issues, illness, or other unforeseen circumstances.
5.2 If we cancel the Course, you will be offered either:
- A full refund of all fees paid, or
- A transfer to the next available Course (if you prefer).
5.3 If we make a significant change to the Course content or delivery, we will notify you and you may elect to withdraw and receive a full refund of any fees paid.

6. Your Rights Under the Australian Consumer Law

6.1 Nothing in this Policy limits your rights under the ACL. You are entitled to a refund or remedy if the Course:
- Is not delivered with due care and skill;
- Is not as described or promised; or
- Is not reasonably fit for the purpose disclosed.
6.2 Where there is a major failure, you are entitled to cancel the contract and receive a full refund.
6.3 Where the failure is minor, we may choose to rectify the issue (e.g. by providing additional support, extending access, or replacing materials).

7. Requesting a Refund or Transfer

7.1 To submit a cancellation, refund, or transfer request, please email:
📧 admin@jenbury.com.au
Include your:
- Full name and contact details
- Enrolment confirmation or invoice number
- Reason for request and any supporting documentation
7.2 Refunds (if approved) will be processed via your original payment method within 10 business days of approval.

8. No-Refund Circumstances

We are unable to provide refunds in the following situations (unless required by law):
- Change of mind after the cooling-off period
- Inability to attend or complete the Course due to personal commitments or change in circumstances
- Technical issues on your side (e.g. internet connectivity, device access)
- Where more than 50% of the Course has been completed

9. Governing Law

This Policy is governed by the laws of Victoria, Australia, and any disputes will be subject to the exclusive jurisdiction of the courts of Victoria.

10. Contact Us

For all questions about this Policy, please contact:
Jenbury Financial
📧 admin@jenbury.com.au
🌐 www.jenbury.com.au
📍 Based in Boronia, VIC 3155