Brokers Bible Membership Terms and Conditions**

These Terms and Conditions ("Agreement") govern the use of The Brokers’ Bible membership ("Membership") provided by The Brokers’ Bible Pty Ltd (“Company”)to its members ("Member") in the state of Victoria. By accessing and using the Membership, you agree to comply with these Terms and Conditions.

1. **No Guarantee of Information Accuracy**: The information provided within the Brokers Bible is for general informational purposes only. While we strive to provide accurate and up-to-date information, we make no guarantees regarding the accuracy, completeness, or reliability of the information. Users are advised to conduct their own research and seek advice before making any decisions and recommendations based on the information provided.
2. **No Copyright or Distribution of Confidential Information**: All information, content, and materials provided through the Brokers Bible Membership are protected by copyright laws and are the sole property of [Company Name]. Members are strictly prohibited from copying, reproducing, distributing, or sharing any information obtained through the Membership, including any confidential information disclosed within The Brokers Bible.
3. **No Recourse Action Allowed**: Members agree that they will not take any recourse action, legal or otherwise, against The Brokers’ Bible Pty Ltd for any issues arising from the use of the Brokers Bible Membership. The Brokers’ Bible Pty Ltd shall not be held liable for any losses, damages, or liabilities incurred by Members as a result of using the Membership.
4. **Single User Membership**: Each Brokers Bible Membership is intended for use by a single individual only. Sharing access codes or attempting  multiple users to access the Membership through a single account is strictly prohibited. Any violation of this provision may result in the immediate cancellation of the Membership without refund.
5. **Sharing and Repurposing of Information**: Members agree not to share, repurpose, or use the information obtained through the Brokers Bible Membership for any unauthorized purposes. The information provided is solely for the personal use of the Member and may not be disclosed, sold, or used for commercial purposes without the express written consent of The Brokers’ Bible Pty Ltd
6. **Termination of Membership**: The Brokers’ Bible Pty Ltd reserves the right to terminate a Member's access to the Brokers Bible Membership at its sole discretion, without prior notice, if the Member is found to be in violation of these Terms and Conditions.
7. **Access to The Brokers’ Bible** learning materials and services on the Site including access to membership.

(b) The membership may only be accessed while you are a current paying member of the Program.

(c) Any additional services provided by The Brokers’ Bible Pty Ltd to the member may require additional fees to be discussed and agreed upon by the parties.

(d) The Services and membership are provided and made available by The Brokers’ Bible Pty Ltd to the member. No compensation or discounts will be provided if the Member doesn't access the Services.

8. **Member duties**

(a) Compensation: In consideration for the Services provided by us to you, you agree to pay us the current program fee at the time of joining as a one lump sum payment for 12 months of access or in monthly payments. You agree that you will automatically continue to be charged on a month-to-month basis until you cancel. You understand that you will receive an invoice reminder for these payments. In the event that any authorized charge applied by us to your card fails, you remain responsible for payment as agreed herein, as well as any penalty fees as detailed in paragraph (b).

(b) Late payment fee. If any fee outlined in paragraph (a) remains unpaid on the 7thday following its due date, a penalty fee of ten percent (10%) of the payment due will be assessed. We reserve the right to restrict your access to the Services, or terminate your participation in the Services unless and until all outstanding program fees and assessed penalties are paid in full. If your Program fees remain unpaid 15 days after the initial due date, your account will be referred to our collections agency.

(c) Payment Security and Chargebacks. To the extent that Client provides Company with Credit Card(s) information for payment on Client’s account, Company shall be authorized to charge Client’s Credit Card(s) for any unpaid charges on the dates set forth. If client uses a multiple-payment plan to make payments to Company, Company shall be authorized to make all charges at the time they are due and not require separate authorization in order to do so. Client shall not make any chargebacks to Company’s account or cancel the credit card that is provided as security without Company’s prior written consent. Client is responsible for any fees associated with recouping payment on chargebacks and any collection fees associated there with. Client shall not change any of the credit card information provided to Company without notifying Company in advance.

9. **Term**The term of this Agreement shall begin on the date of first payment for the and continue until you or we terminate your membership.
10. **Cancellations and refunds** You may cancel your membership in the Program for any reason with 14 days notice before your next payment is due. You will continue to be charged the monthly fees and continue to have access to the Program until the 14-day notice period is complete. No refunds are allowed under any circumstances.
11. **No Legal Services and No Attorney-Client Relationship** You understand that enrolment and participation in the membership does not amount to an Attorney-Client relationship between you and us, our employees, or contractors, unless we enter into a separate written agreement with you for legal services. You understand that, with respect to the Services, Company’s founder, employees and contractors are not acting in their capacity as attorneys and no statements or information made by Company’s founder, employees and contractors shall be construed as legal advice. You further understand that, although legal information maybe communicated to you during the Services, such information is not legal advice. Your reliance on such legal information is at your own risk.
12. **Limitation of Liability**

(a) IN NO EVENT SHALL THE BROKERS’ BIBLE HAVE ANY LIABILITY TO CLIENT FOR ANY LOST PROFITS,LOSS OF USE, BUSINESS INTERRUPTION, COSTS OF PROCUREMENT OF SUBSTITUTE GOODSOR SERVICES, OR FOR ANY INDIRECT, SPECIAL, INCIDENTAL, MULTIPLE, EXEMPLARY, PUNITIVE,OR CONSEQUENTIAL DAMAGES HOWEVER CAUSED AND, WHETHER IN CONTRACT, TORT ORUNDER ANY OTHER THEORY OF LIABILITY, WHETHER OR NOT EITHER PARTY HAS BEEN ADVISEDOF THE POSSIBILITY OF SUCH DAMAGE; AND

(b) IN NO EVENT SHALL THE BROKERS’ BIBLE LIABILITY TO THE MEMBER EXCEED THE FEES PAID BY MEMBER UNDER THESE TERMS, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER THEORY OFLIABILITY.

13.** Changed Terms**We may at any time amend these Terms and Conditions. Such amendments are effective immediately upon notice to you by us posting the new Terms and Conditions on the Site. Any use of the Site or Service by you after being notified means you accept these amendments. We reserve the right to update any portion of our Site and Service, including these Terms and Conditions at any time. 

14.** Assignment** These Terms and Conditions shall be binding on, and shall inure to the benefit of, the parties to it and their respective heirs, legal representatives, successors, and assigns; provided, however, that Member may not assign any of its rights under these Terms and Conditions, except to a wholly owned subsidiary entity of Member. No such assignment by Member to its wholly owned subsidiary shall relieve Member of any of its obligations or duties under these Terms and Conditions. 

15. **Notices** All notices, requests, demands, and other communications under these Terms and Conditions shall be in writing and properly addressed as follows:

The Brokers’ Bible

Jeremy Curtis & Associates Pty Ltd

Suite 3, 322 St Kilda Road, St Kilda Vic 3182

To Client at Client’s address provided at the time of purchase.

Any party may change its address for purposes of this paragraph by giving the other parties written notice of the new address.

16. **Governing Law; Venue; Mediation** These Terms and Conditions shall be construed in accordance with, and governed by, the laws of the State of Victoria as applied to contracts that are executed and performed entirely in Victoria. The parties agree to attempt to resolve any dispute, claim or controversy arising out of or relating to these Terms and Conditions by negotiation. The parties further agree that their respective good faith participation in negotiation discussions is a condition precedent to pursuing any other available legal or equitable remedy, including litigation, arbitration or other dispute resolution procedures.
17. **Recovery of Litigation Expenses** If any legal action or any arbitration or other proceeding is brought for the enforcement of these Terms and Conditions, or because of an alleged dispute, breach, default, or misrepresentation in connection with any of the provisions of these Terms and Conditions, the successful or prevailing party or parties shall be entitled to recover reasonable attorneys’ fees and other costs incurred in that action or proceeding, in addition to any other relief to which it or they may be entitled.
18. **Governing Law and Jurisdiction**: These Terms and Conditions shall be governed by and construed in accordance with the laws of the state of Victoria, Australia. Any disputes arising from or relating to this Agreement shall be subject to the exclusive jurisdiction of the courts located in Victoria.

By accessing and using the Brokers Bible Membership, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree with any provision of this Agreement, you should discontinue the use of the Membership.