Last updated: May 19, 2026
Welcome to Verve Balance. These Terms of Use ("Terms") govern your access to and use of our website verve-balance.com and our financial coaching services. By accessing or using our website and services, you agree to be bound by these Terms.
By accessing or using our website and services, you confirm that you:
If you do not agree to these Terms, you must not use our website or services.
Verve Balance provides financial education and coaching services designed to help individuals improve their financial literacy and money management skills. Our services include but are not limited to:
Important: Verve Balance and its coaches are not licensed financial advisers. The information and guidance we provide are for educational purposes only and should not be considered personalized financial advice.
We do not:
You should consult with licensed professionals (financial advisers, accountants, lawyers) before making significant financial decisions.
When you enroll in a coaching program, you enter into a binding agreement to pay the stated fee and participate according to program requirements.
All fees must be paid in Australian Dollars (AUD). Payment is due at the time of enrollment unless payment plan arrangements have been explicitly agreed upon in writing.
Refunds are handled on a case-by-case basis according to our satisfaction guarantee. To request a refund, you must:
Refunds are processed within 14 business days of approval.
As a user of our services, you agree to:
All content on our website and in our programs, including text, graphics, logos, images, videos, and software, is the property of Verve Balance and is protected by Australian and international copyright laws.
When you enroll in a program, we grant you a limited, non-exclusive, non-transferable license to access and use program materials for your personal use only. You may not:
Any results or testimonials presented on our website represent individual experiences and are not guarantees of future results. Your outcomes will depend on many factors including:
We cannot guarantee that you will achieve specific financial outcomes.
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. By using our services, you consent to our data practices as described in that policy.
To the fullest extent permitted by law, Verve Balance and its officers, directors, employees, and agents shall not be liable for:
Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid for the specific program or service.
You agree to indemnify, defend, and hold harmless Verve Balance and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
You may terminate your participation in a program by providing written notice. Refunds, if any, will be determined according to our refund policy and program-specific terms.
We reserve the right to suspend or terminate your access to our services if you:
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. We may also update these Terms periodically. Material changes will be communicated via email or website notice. Your continued use of our services after changes constitutes acceptance of the updated Terms.
These Terms are governed by the laws of New South Wales, Australia, without regard to conflict of law provisions.
If a dispute arises, both parties agree to first attempt resolution through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in Sydney, Australia, in accordance with the Australian Arbitration Act.
You agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class action.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any program-specific agreements, constitute the entire agreement between you and Verve Balance regarding your use of our services.
Nothing in these Terms is intended to exclude, restrict, or modify rights that you may have under the Australian Consumer Law or other applicable consumer protection laws that cannot be excluded, restricted, or modified by agreement.
If you have questions about these Terms, please contact us:
Verve Balance
Level 12, 333 George Street
Sydney NSW 2000
Australia
Email: [email protected]
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.