Business Partner Terms & Conditions

These Business Partnership Terms & Conditions ("Terms") apply to businesses that purchase course seats through the Mind Over Money Business Partnership Program ("Program"). By purchasing Gifts through the Program, you ("Partner", "you" or "your") agree to these Terms. Please read them carefully before placing an order.

If you do not agree to these Terms, you should not purchase Gifts through the Program.

1. About the Business Partnership Program

Our Business Partnership Program allows businesses to purchase Gifts in our online financial literacy courses at a reduced partner price and provide those seats as complimentary gifts to their own customers, clients, employees or other eligible recipients.
The Program is designed to allow businesses to provide financial education as an added benefit to their customers.
The Program is a gifting program, not a resale program. Gifts purchased through the Program must be provided to recipients free of charge.

2. Definitions

In these Terms:
  • "Course" means any online financial literacy course offered by Mind Over Money and made available for redemption through the Program.
  • "Gift" means one individual entitlement to redeem and access one Course.
  • "Partner", "you" or "your" means the business or organisation purchasing Gifts through the Program.
  • "Recipient" means the customer, client, employee or other person who receives a Gift from a Partner.
  • "Redemption" means the process by which a Recipient uses a valid gift code, link or other redemption method provided by Mind Over Money to claim a Gift.
  • "Purchase Date" means the date on which payment for the applicable Gift is received by Mind Over Money, unless otherwise agreed in writing.

3. Purchasing Gifts

3.1 Minimum purchase
Gifts are available for purchase in packs of 10 Gifts or more.

3.2 Larger orders
If you would like to purchase a larger number of Gifts, please contact us to discuss customised pricing.
We may also be able to create customised packages combining Gifts with physical products or other products we offer.
Any customised pricing or package will be confirmed separately in writing.

3.3 Course selection
Gifts are not allocated to a specific Course when purchased.
The Recipient will choose which Course they would like to redeem when they claim their Gift, from the Courses available at that time.
The Partner does not need to decide in advance which Course each customer will receive.

3.4 Availability
Course availability may change over time. We may introduce new Courses or update existing Courses from time to time, subject to applicable law and the rights of Recipients under our applicable Course Terms and Conditions.

4. Pricing and Payment

4.1 Partner pricing
Gifts purchased through the Program are offered at the partner pricing applicable at the time of purchase.
Our standard pack pricing may vary depending on the number of Gifts purchased.

4.2 Custom pricing
Custom pricing may be available for larger orders or packages that include physical products.
Any custom pricing will be confirmed before the order is placed.

4.3 Payment
Unless otherwise agreed with us in writing, payment can be made in full or on a 12-month payment plan. Failure to complete the payment plan will result in nullification of your Gift redemption codes.

4.4 GST
Prices are stated as inclusive of GST, as applicable.
Any applicable GST will be shown on your quotation or invoice.

5. How Gifts Work

Once your purchase has been completed, we will provide you with the applicable number of Gifts and the redemption method we use for the Program. You can then distribute said Gifts to your intended Recipients.

Each Gift:
  • can be gifted to one Recipient;
  • can be redeemed once;
  • provides access to one Course selected by the Recipient;
  • cannot be exchanged for cash; and
  • cannot be resold.


The Recipient will register directly with Mind Over Money when redeeming their gift. Once a Recipient has redeemed their Gift, the Recipient's use of the Course is subject to our applicable Course Terms and Conditions.

The Partner is responsible for keeping Redemption Codes secure and must take reasonable steps to prevent unauthorised use. If a Redemption Code is lost, disclosed or misused, Mind Over Money may, at its discretion, cancel or replace the code where it is reasonably able to verify the circumstances.

6. Gift Expiry

6.1 Redemption deadline
All Gifts purchased through the Program must be distributed and redeemed within 12 months of the Purchase Date.

6.2 Expired Gifts
Any Gift that has not been redeemed within 12 months of the Purchase Date will automatically expire.

An expired Gift:
  • cannot be transferred;
  • cannot be exchanged for another Gift;
  • cannot be exchanged for cash or credit; and
  • cannot be refunded.


6.3 Partner responsibility
It is the Partner's responsibility to distribute Gifts in sufficient time for Recipients to redeem them before they expire.
We are not responsible for Gifts that expire because they were not distributed or redeemed within the applicable 12-month period.

6.4 Extensions
We may, at our discretion, extend the expiry date of an individual Gift in exceptional circumstances. We are not required to provide an extension.

7. Use of Gifts

  • Gifts are intended to be provided to Recipients free of charge.
A Partner may use Gifts as:
  • customer gifts;
  • customer loyalty rewards;
  • referral rewards;
  • promotional incentives;
  • competition or giveaway prizes;
  • complimentary benefits;
  • customer retention initiatives;
  • employee or employee-family benefits; or
  • complimentary inclusions with the Partner’s own products or services. 


A Partner may bundle a Gift with its own product, service, package or promotion, provided that the Gift itself is not separately charged for. 
Gifts must also not be resold, auctioned, sublicensed or otherwise exchanged for money or other consideration.

The Partner must not:
  • sell individual Seats;
  • sell Redemption Codes;
  • list Seats on online marketplaces;
  • auction Seats;
  • sublicense or transfer Seats for commercial value;
  • charge a Recipient separately for a Seat; or
  • use Seats as part of an unauthorised paid course, membership or subscription.


The Program may only be used for the complimentary gifting purposes contemplated by these Terms unless [Business Name] has expressly agreed otherwise in writing.

8. Refunds and Consumer Rights

Purchases of Course Seats through the Program are final and non-refundable.

No refund will be provided for:
  • unused Seats;
  • expired Seats;
  • Seats that have not been distributed;
  • Seats that have been distributed but not redeemed;
  • changes in the Partner’s business circumstances; or
  • changes of mind.


This does not exclude, restrict or modify any right or remedy that cannot lawfully be excluded under the Australian Consumer Law or other applicable legislation.

9. Recipient Registration and Privacy

The Partner is not required to provide Mind Over Money with the personal information of Recipients in order for the Program to operate.
Where applicable, the Recipient will redeem their Gift directly with Mind Over Money and provide their own information during the registration process.

Mind Over Money will handle personal information in accordance with its Privacy Policy and applicable privacy laws.
The Partner must comply with all applicable privacy and marketing laws when distributing or promoting Gifts.
The provision of a Gift to a Recipient does not, by itself, constitute consent from that Recipient to receive marketing communications from Mind Over Money. Any marketing communications will be handled in accordance with applicable law and Mind Over Money’s relevant consent processes.

10. Marketing, Branding and Promotional Materials

Where agreed as part of the Program, Mind Over Money may provide the Partner with approved marketing materials, logos, images, descriptions or other promotional content.

The Partner may use these materials only for promoting or communicating its participation in the Program and must follow any reasonable brand guidelines provided by Mind Over Money.

The Partner must not:
  • alter Mind Over Money’s branding without permission;
  • make false or misleading claims about the Program or Courses;
  • make claims about outcomes that have not been approved by Mind Over Money;
  • imply that Mind Over Money endorses the Partner beyond the agreed partnership;
  • suggest that the Partner owns or operates Mind Over Money’s Courses; or
  • use Mind Over Money’s name or branding in a way that could damage its reputation.

Mind Over Money may request that promotional materials be amended or removed where they do not comply with these Terms or applicable law.

11. Intellectual Property

All intellectual property relating to the Courses and Program remains the property of Mind Over Money.
This includes, without limitation:
  • course content;
  • videos and animations;
  • activities and worksheets;
  • graphics and illustrations;
  • written materials;
  • trademarks and logos;
  • website content;
  • software and systems; and
  • other materials supplied by Mind Over Money.
 Nothing in these Terms transfers ownership of any intellectual property to the Partner.

The Partner must not copy, reproduce, modify, distribute, publish, reverse engineer, sell or commercially exploit any Course content or other intellectual property except where expressly permitted by Mind over Money in writing.

12. Partner Responsibilities

The Partner agrees to:
  • comply with these Terms;
  • use Gifts only for their intended purpose;
  • provide Recipients with accurate information;
  • distribute Redemption Codes responsibly;
  • protect Redemption Codes from unauthorised use;
  • comply with all applicable laws;
  • comply with applicable privacy and marketing requirements;
  • use approved branding and promotional materials appropriately; and
  • promptly notify Mind Over Money if it becomes aware of misuse, fraud or unauthorised access relating to the Program.


The Partner is responsible for its own communications and representations to its customers and Recipients.
The Partner must not make representations about the Program that have not been authorised by Mind Over Money.

13. Course Platform and Third-Party Services

Courses may be delivered through third-party platforms, software, hosting providers, payment providers or other technology services.
Mind Over Money will use reasonable efforts to maintain access to the Courses, but does not guarantee that the Program or third-party platforms will always be available, uninterrupted or error-free.

Mind Over Money is not responsible for interruptions, delays, technical failures or other issues caused by circumstances outside its reasonable control, including failures of third-party providers, internet services, telecommunications networks or other infrastructure.
Where reasonably practicable, Mind Over Money will work to restore access or provide an appropriate alternative where a material service interruption occurs.

14. Suspension of the Partnership

Mind Over Money may suspend a Partner’s access to the Program where it reasonably believes that the Partner: 
  • has breached these Terms; 
  • has resold or misused Gifts; 
  • has misused Mind Over Money’s intellectual property or branding; 
  • has engaged in misleading, deceptive or unlawful conduct; 
  • has breached applicable privacy or marketing laws;
  • has used the Program for an unauthorised purpose; 
  • has engaged in conduct that may materially damage Mind Over Money’s reputation; or 
  • has otherwise acted in a way that presents a material risk to Mind Over Money, its customers or Recipients. 

Where appropriate, Mind Over Money may provide the Partner with an opportunity to remedy the relevant breach before suspension takes effect.

15. Termination and Effect of Termination

Either party may end the business relationship by providing written notice, subject to any separate written agreement between the parties. Mind Over Money may terminate the Partner’s participation immediately where there has been serious or repeated misuse of the Program, unlawful conduct, resale of Gifts, serious breach of these Terms or conduct that presents a significant risk to Mind Over Money or its reputation. 

Following termination, the Partner must: 
  • stop representing itself as an active Business Gift Partner; 
  • stop using Mind Over Money branding where permission to do so has ended; and 
  • cease any unauthorised use of Mind Over Money intellectual property. 

Unless Mind Over Money determines otherwise, valid Gifts that have already been distributed may remain redeemable until their original expiry date. Termination does not create any entitlement to a refund for purchased Gifts. 

Any provisions that by their nature are intended to continue after termination will remain in effect, including provisions relating to intellectual property, confidentiality, liability, indemnity and applicable consumer rights.

16. Confidentiality

Each party agrees to keep confidential any non-public information received from the other party in connection with the Program. Confidential information must only be used for purposes relating to the business relationship and must not be disclosed to another person except where: 
  • the other party has provided permission; 
  • disclosure is required by law; 
  • the information is already publicly available through no breach of these Terms; or 
  • disclosure is reasonably required to professional advisers or service providers who are subject to appropriate confidentiality obligations. 


This obligation does not apply to information that was lawfully known to a party before it was disclosed by the other party.

17. Liability, Indemnity and Australian Consumer Law

To the maximum extent permitted by law, Mind Over Money will not be liable for any indirect, incidental, special or consequential loss arising from or relating to the Program, including loss of profits, revenue, business opportunities, goodwill or anticipated savings.

To the maximum extent permitted by law, Mind Over Money’s total liability arising from a Partner’s purchase of Gifts will be limited to the amount actually paid by the Partner for the Gifts giving rise to the relevant claim.

The Partner agrees to indemnify Mind Over Money, its directors, officers, employees and contractors against losses, claims, liabilities, costs and expenses arising from the Partner’s:
  • breach of these Terms;
  • unauthorised resale or use of Gifts;
  • misuse of Mind Over Money’s intellectual property or branding;
  • misleading or unauthorised representations;
  • breach of applicable privacy or marketing laws;
  • negligence or unlawful conduct; or
  • misuse of the Program.


The Partner’s indemnity does not apply to the extent that the relevant loss was caused by Mind Over Money’s own negligence, unlawful conduct or other matter for which liability cannot legally be excluded.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded under the Australian Consumer Law or other applicable legislation.

18. General Terms

18.1 Changes to these Terms
Mind Over Money may update these Terms from time to time. Updated Terms will apply to future purchases or orders placed after the updated Terms take effect, unless otherwise required by law or agreed in writing.

18.2 No Agency or Legal Partnership
Participation in the Program does not create a legal partnership, joint venture, employment relationship or agency relationship between Mind Over Money and the Partner. Neither party has authority to enter into contracts or make commitments on behalf of the other unless expressly authorised in writing.

18.3 Assignment
The Partner must not assign, transfer or otherwise deal with its rights or obligations under these Terms without the prior written consent of Mind Over Money. Mind Over Money may assign or transfer its rights and obligations where reasonably required as part of a restructure, sale or transfer of its business or assets.

18.4 Severability
If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be read down or removed to the extent necessary, and the remaining provisions will continue to apply.

18.5 Entire Agreement
These Terms, together with any applicable quotation, invoice or written agreement between the parties, constitute the entire agreement relating to the Partner’s participation in the Program and replace any previous discussions or understandings relating to the same subject matter.

18.6 Governing Law
These Terms are governed by the laws of Queensland, Australia. The parties submit to the jurisdiction of the courts of Queensland, Australia.

19.  Contact

Questions about the Business Gift Partnership Program or these Terms can be directed to:
Mind Over Money Pty Ltd
Email: info@mindovermoney.com.au
Address: Shop 1/77 Baroona Rd, Milton QLD 4059


Last Updated: September 2026